23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from Halsted Financial Services attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe Halsted Financial Services is in violation of several federal laws including but not limited to 15 USC 6801.  They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from Halsted Financial Services violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. Halsted Financial Services also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by Halsted Financial Services was also in violation of 15 USC 1692b ( 4 ). Halsted Financial Services used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from Halsted Financial Services was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). Halsted Financial Services posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). Halsted Financial Services showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as Halsted Financial Services. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by Halsted Financial Services and sent to my abode and place of work violates 15 USC 1692j. It is fact that Halsted Financial Services violated several federal laws against me the consumer and it is fact that Halsted Financial Services has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.
Product: Credit reporting or other personal consumer reports

Twice within the last 3 years I have had an incorrect account show on my credit report. I reported it 3 years ago and requested the original loan documents. They sent me a very bare minimum report stating that the loan was opened thru Bestegg via XXXX XXXX XXXX  They did not give me the full account number, just the last 4 numbers. They did not show me any proof of signature. I had thought that it was resolved after I disputed it 3 years ago, but it has showed up again on my credit report. I disputed it again, but it still states that it is a credible account. This is not an account or loan that I applied for. I have attached the information that I have.
Product: Mortgage

I applied for a mortgage modification from XXXX that was consistentlydenied. I hired an attorney and spent over {$20000.00} to obtain amortgage modification from Nationstar who apparently purchased myloan from XXXX. 
I received a letter dated XXXX XXXX, 2015 detailing a refund due mefor a " Modification Delay '' in the amount of {$3900.00}. On XXXX XXXX, I contacted Nationstar via email requesting a check in the amount of {$3900.00} for the refund. On XXXX XXXX, Nationstar acknowledgedreceipt of the request. I have not received a response or refund check todate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I Recently checked my Credit Report and seen that I have 9 Inquiries on my credit report that I didn't authorized. They are also reporting incorrect employment
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 transaction 's was infeasible. 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.
Product: Debt collection

While we were parking, we were hit by another party, and their insurance agreed to cover the damage of our vehicle. During the day of pick-up, the collision repair company asked three more days to complete the repair. This means three more days of car rental from XXXX. This was supposed to be covered by their insurance company and nor our expense. They never paid for those extra days despite several attempts. After sometime, XXXX forwarded the bill to a debt collector. We paid for this car rental just to deal with the matter. 

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX still showing which dropped my scores significantly. This collection was placed on my credit in error as I had no financial obligation to the original creditor. Since this is still reflected on my credit I feel this is predatory in practice. I would like this collection removed from my credit due to erroneous collection practices.
Product: Mortgage

In XXXX I started a search to re-finance my mortgage so that I could lower my rate, lower my payment and take advantage of some of the benefits that come along with that such as skipping payments, receiving escrow money back from the current mortgage and so on. Anyway, on or around the XXXX of XXXX I started speaking with Freedom Mortgage, the process at first moved smoothly and around the XXXX I was told that my file was moved to underwriting. At this point I felt comfortable and secure in Freedom Mortgage and I was set to close on XXXX/XXXX/2016, and I did. Then on XXXX/XXXX/2016 almost a week after closing I received a call stating that they would have to recall the loan due to the payoff amount differing from what they had to what was received from my current mortgage holder. I complied right away and it was taken care of in a matter of minutes on my end. At this point I was freaking out because I had already planned/spent the mortgage money that I would have used to pay XXXX payment but because as I stated above I was comfortable and confident so I thought that everything would work out. 
Since this point however everything that could go wrong has gone wrong and getting responses back from anyone has been nothing short of horrible. I was set to close on numerous occasions and something always happened. A lot of the benefits that I spoke about above I am now going to miss out on due to the timing and because of things that were outside of my control and things that should have been done/fixed before we got to here. I have also asked that someone tell me the " numbers '' and explain to me how or what they can do so that I can still enjoy some of the benefits that a re-finance should offer and if everything was done properly from the beginning would have been offered. Finally, on XXXX/XXXX/2016 I closed on my loan at my house with a notary that did not explain anything and just ask me to sign the documents and I did because it was my last opportunity to get it done on time, once completed he advised me that because he was running late he did not have a copy of any of the documents for me and that he would get them to me. That night I emailed two of the contacts at Freedom Mortgage and let them know that I completed the signatures and ask that someone call me to cover the documents since the notary did n't have answers or a copy to leave for me. Since that time I have not heard back from anyone at Freedom Mortgage and now the loan has funded. I feel that due to certain circumstances out of my control I was taken advantage of due to an early error on their end. I also feel that anyone that handles mortgages should be up front and very direct about the process and numbers given the amount of money that a mortgage entails. This process once the loan had to be redone has been very unfair and deceptive on behalf of Freedom Mortgage and to this date I still have not heard back from them.
Product: Debt collection

I paid this debt off to the company years ago but they have yet to resolve the open judgement and refuse to send me verification that the debt was paid.
Product: Vehicle loan or lease

In XX/XX/XXXX, I got an XXXX XXXX XXXX XXXX, through XXXX XXXX and was making my payments through them with little to no problems and then in the middle of XX/XX/XXXX, I stopped receiving statements or anything from them and never heard anything at all, Santander never even contacted me by phone or mail to let me know they were the new company, and when I talked to them once and from that moment forth it was a complete and total nightmare, in XX/XX/XXXX, I lost my job and was having a hard time trying to make it while trying to find another job, meanwhile Santander were relentless, constantly calling, and I told them my situation and they in turn allowed me to pay {$180.00} of a {$340.00} payment and told me that I would be okay, and I kept in contact and made my payments as was set up and then by XX/XX/XXXX, I had full-time hours again and was only one payment away from being completely caught up and with no notice XXXX XXXX came in the middle of the night while I was sleeping and took my car with all my belongings and tried to sell them back to me, and Santander calls me again with urgency like they cared so much, at first said that if I could pay {$400.00} I could have my car back, I said I could do that, but then it changed to me misunderstanding things, it is really {$1400.00}, which I did not have on hand, they sold the car for as cheap as they could {$500.00}, and left me with {$10000.00} to try to pay off, these people are so crooked and greedy, if they had answered their phone, talked to me, they would have known that I was one payment away, to allow me to pay half on my payment then take the car anyway, was just XXXX. And they still seem to think they are owed the world, and XXXX XXXX was just as bad, at least they could have given me a chance to get my things out of the car before they took it, the whole situation was crooked, I would NEVER do business with Santander again they are rotten Monetary Loss : {$10000.00}.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. CHILD SUPPORT ENFORCEM / # XXXX As required by 15 U.S.C 1681c-XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be added to my report if I have provided explicit authorization, which I have not done for the inquiries listed below. These are fraudulent. 

Please remove these inquiries from my credit report immediately : 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 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 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 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 XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent . Under the FCRA, a hard inquiry should only appear on my report when I have expressly authorized the creditor to access my credit information. I have not authorized these inquiries and, therefore, request that you remove them from my credit file. 

Please conduct an investigation into these inquiries and provide written confirmation once the unauthorized inquiries have been removed. I expect a prompt resolution to this matter, as the FCRA requires timely and accurate information to be maintained on my credit report. 

Thank you for your prompt attention to this issue. 

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

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$7300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}
Product: Credit card

American Express enrolled me into an opt-in " Pay over time '' program without my consent, and did not notify me. As a result, I was charged interest when I submitted payment for what I thought was my statement balance, but was in fact the minimum amount due under the program. 
When I reviewed my next account statement, I noted an interest charge and considered it a mistake on my part for not paying off the full balance. I submitted a payment to cover the full statement balance so that I would no longer be charged interest. 
My current statement now shows another interest charge. I called American Express on XXXX XXXX XXXX and their customer service representative ( XXXX ) advised that even though I had submitted payment in full for my statement balance, the company was going to continue to charge me interest for the previous charges. In effect, these charges are perpetual -- paying off my full balance would only cover the interest calculated for the reported balance, but interest continues to accrue after the statement is delivered and even after they receive payment. The lag between theses systems ensures there 's always a balance due. 
During my call American Express was able to immediately locate the XXXX XXXX XXXX email with their " Pay over time '' offer, but they can not locate any record of my having enrolled because they do n't keep records from that far back. They said they would remove me from the program, but they have not sent me any notification they have actually done it. They are continuing to charge me interest resulting from their having enrolled me in a program without my consent.
Product: Credit card

For the second time in six months, I requested re-assertion of ongoing disputes for charges that were illegally made against my account. Parenthetically, I will say these dispute numbers are now listed in the the Apple Card by Goldman Sachs system as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all related to wrongful overcharges that The XXXX XXXX made against my account. 

Again, for the second time in six months, the improperly trained staff triggered a " problem '' in the Goldman Sachs system that blocked my card from being used. 

As inconvenient as this is, the problem doesn't end there. The action actually triggers my Apple ID account to have to be reset and a code be sent to my phone, which is problematic as I am in XXXX XXXX XXXX  and my phone ( which is actually my father 's phone ) is in XXXX XXXX 

It strains the imagination, after such a screwup months ago, as to why employees were not trained in how to handle re-assertions of charge disputes. 

I chatted with XXXX, an Apple Card supervisor with Goldman Sachs bank USA, who claimed to be the senior-most person on staff at the time, and he acknowledged the company made a mistake and took my complaint for their internal system case number XXXX. The earlier complaint case number ( for the prior screwup ) is XXXX and was submitted on XX/XX/year>.
Product: Debt collection

I paid this account with the doctors office in full. They mistakenly turned it over to Transworld Systems Inc. Transworld Systems Inc then placed a " Major Deragatory '' on my credit report. I had a arrangement with XXXX and honored it. To make matters worse XXXX misdiagnosed me and almost XXXX me. Thankfully I was rushed to a competent physician and had XXXX with in hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my
credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, XXXX, and Transunion to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, XXXX, and TransUnion can review both reports. 

The companies below did not have the right too pull my credit. 

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 reporting or other personal consumer reports

National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Charge-Off Account Due to Inaccurate Activity Dates Dear National Credit Adjust Customer Service , I am writing to formally dispute the charge-off account associated with my name and the account number XXXX, which pertains to XXXX XXXX XXXX. Upon reviewing my credit report, I noticed that the last activity date recorded as XX/XX/year>, is inaccurate. 

This incorrect reporting significantly impacts my credit profile. Therefore, I am requesting the immediate removal of this charge-off account from my credit report. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate information, and I believe this account does not accurately reflect my credit history. 

If the activity date can not be verified as accurate, I request that you remove this account from my records. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

Sincerely, XXXX XXXX