23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir/Madam, **RE : Cease and Desist Request** I, XXXX XXXX, am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) immediately cease and desist any further actions or communications concerning XXXX XXXX XXXX account # XXXX ]. 
XXXX XXXX XXXX account # XXXX Chapter 13 account # XXXX XXXX  # XXXX is not my number XXXX XXXX XXXX is the correct spelling of my name. All of the accounts on my annual credit report has the name XXXX XXXX without the XXXX  meaning that could be anyone. 
This request pertains specifically to Experian and XXXX XXXX collecting inaccurate data and placing it on my credit report damaging my XXXX score. 

Despite my previous communications filed XXXX, I have not received sufficient clarification or resolution on the matter, and I believe the actions currently being taken by your office are [ unlawful, unjustified, harassing, etc. ]. As such, I respectfully request that you cease any further actions or communications regarding this issue and confirm in writing that no further steps will be taken. 

I understand that the CFPB has a mandate to protect consumers and enforce financial regulations ; however, I believe that the current situation does not fall within the scope of your authority. I request a formal explanation of your involvement in this matter, including any legal basis for the actions taken thus far. 

Should you fail to comply with this cease and desist request, I will be compelled to explore all available legal options to protect my rights and resolve this issue. 

I kindly ask that you provide written confirmation of the cessation of all actions related to this matter by 15 days from the date of this letter. Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX we had an appraisal done to remove PMI. The mortgage payment was {$3600.00}, I received a escrow analysis notice stating escrow shortage of {$850.00} in XXXX, I paid that in full the end of XXXX by the due date. The PMI removal was approved XX/XX/XXXX but the account was also transferred to XXXX during the appraisal review. XX/XX/XXXX another escrow analysis was performed and showed a shortage. I disputed this second analysis and was advised another would be performed in XXXX. I dont understand why XXXX escrow analysis are being scheduled. I have only been in the house since XX/XX/XXXX. 

Real problem, the pmi was removed, the second analysis was removed but my payment amount is incorrect. Customer service says they never sent me a letter saying my payment was {$3500.00}, but I printed it and it is no longer in my online portal. I am turning off my autopay scheduled for XX/XX/XXXX {$3600.00} because that amount is incorrect. If I dont need an analysis to reflect any changes, then based off the XXXX analysis, shortage being paid and pmi removed, my payment should be roughly {$3500.00} or {$3600.00} if we add the shortage for the change in HOI premium ( {$1600.00} increased to {$1800.00} ). I made this argument/complaint around XX/XX/XXXX and was told an request was submitted. But the request only removed the analysis ran XX/XX/XXXX but the " system '' hasnt updated my payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my report, I identified an accounts that inaccurately reports late payments. I have contacted the company associated with these accounts, and they confirmed that the late payments were errors and agreed to update my accounts and remove the late payments. 
I would like to point out that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

The following accounts in question is : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

I missed 2 payments on my mortgage last year ( XXXX & XX/XX/2022 ). My household income went from two to one. I made a partial payment for the month of XXXX. When I called in to make the second half of my payment I was told I could not make any payment unless it was the full past due amount. My first complaint is that no one informed me of this policy until it was too late, until I could not make a payment. It was suggested that I submit a mortgage assistance application through my service provider. I submitted one and was denied. I appealed it, showing that I could afford my mortgage in my budget. I would have been stretched thin, but I would have been able to keep a roof over my head. My appeal was denied. It was suggested that I request help through my state. That request was denied. During this entire process of seeking help, I was told that it would not show up on my credit that there were missed payments as long as I am actively going through the loss mitigation process. Of course, that was a lie. My household income went back to two, so I was told to submit another mortgage assistance application since I can show that I have more income coming in. I submitted an application in XXXX. Today 's date is XXXX. Every time I call to get an update there's additional documents that are needed for the underwriter to make decision. My second complaint my provider not telling me all the additional documents that were needed upfront, so that I could provide them. I feel like they are intentionally prolonging my request for assistance, so that my past due amount grows larger and larger each month. My third complaint is that every time I call the representative doesn't really know what is going on. They aren't able to tell me upfront if documents are needed. I have to literally explain the situation, inform them of the documents I've already sent in. They all refer me to do everything online and I do. I email all requested documents to their email, but for some reason they have a hard time informing me of what is needed in a timely manner. They will send a letter that takes 10-14 business days to get here and will have a no later than date on there for the requested documents. I understand my situation and it is my fault that I am in this situation to begin with. I can not fathom why offer assistance, if you are not going to provide. I have been advised that often times mortgage lenders will do this, because they know the loan is backed by the VA. I'm not sure what the true reasoning is, but I would just like to get to the bottom of this and get my mortgage loan back in good standing.
Product: Debt collection

I looked into XXXX XXXX and noticed a deragotory comment on my credit file from midwest recovery. they claim I took a webloan from XXXXXXXX XXXX XXXX for XXXX I have never used any company to take a payday loan or any type of web loans in my life i called them to remove this immediately since I am buying a home they told me 60-90 days I said unacceptable since I should not have this in my report and its there error.
Product: Vehicle loan or lease

i call, wrote they have yet to tk care of this acct and i am not paying any late fees because they are incompetent of doing there jobs
Product: Student loan

I have attempted phone calls to correct an inconsistency in my PSLF count. Fedloan will not count the period XXXX as eligible due to a paperwork inconsistency concurrent with previous misleading statements about the TLF program and the subsequent paperwork that was submitted. That TLF paperwork was never expunged from my file, so the PSLF payments for those periods continue to not be counted. Due to my previous complaint being remedied, the TLF application needs to be deleted, and those payments need to be counted. I have submitted two employer certification forms ; one in XXXX and one at the end of XXXX. My employer qualified and I have not changed employers since XXXX. Any time I try to call and talk to someone I am put on hold for hours, waiting to talk to a PSLF specialist. I am tired of the runaround and need someone to fix my file so my payments all count accurately and appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am Call all collection accounts in major violations Of XXXX and defamation of my character for Reporting debt Without sending Me proof of correspondence of Debt Validation notifying me that I had a debt by phone or mail was never sent me to Also All collection agencies below are under Violation of Try to collect charges in addition to the debt unless they are allowed by the contract or law Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt XXXX address or business name that doesnt indicate its in the debt collection business XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXS Opened XX/XX/XXXX All collections need to be removed from the account XXXX XXXX experian, and XXXX XXXX also be facing arbitration suit if they keep defamation information on my consumer report
Product: Vehicle loan or lease

I am the consumer I am currently going against a third party debt collector who claims that i owe them XXXX but my consumer report shows XXXX i do not owe this company anything we have never did business together. 15 usc 1692 h this company is abusing me and my reputat pursuant to 15 USC 1692G ( A ) admission of liability states the failure of a consumer to dispute the validity of a debt under this section may not be constructed by any court as an admission of liability by the consumer .There shall be no judgement this a violation of my federal rights. I am the original creditor and my contract states that the vechile was secured via security interest the contract states that to secure obligations you give us first priority security interest in the vehicle 18 usc 914 i am the original creditor to make my claim even more factual i will elaborate on how My car was repossed by the organization that extended the credit XXXX They actually took the car sold it at a auction and advised me that they would be repaying me the profits. if I am the one who owes this alleged debt please answer this how do they owe me any money? I have also reached out to this company demanding that they cease all contact with me I have been harassed for over a year now and I have never did business with this company under federal law you can purchase a debt but you can not purchase my personal information Address, phone number etc as a consumer I have a right to privacy pursuant to 15 usc 1692 ( a ). I have sent over a validation of debt pursuant to 15 usc 1692g i am disputing this alleged debt and validation from persolve XXXX  XXXX.
Product: Credit card or prepaid card

Was at Kohls store located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. When checking out I wanted to use Kohls XXXX. The cashier said she needed some information to look up my account. I gave her the requested information including my driver 's license and SSN. She then preceded to use my information to apply for a Kohls Credit card with out my consent. After checking out she told me the charge would be made to my Kohls Credit card. When I explained to her I did not have XXXX, she said " I just signed you up for XXXX '' I did not consent to this credit card. This was XX/XX/23 XXXX
Product: Credit reporting or other personal consumer reports

Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house. 
XXXX XXXX And XXXX XXXX XXXX are the accounts
Product: Credit reporting or other personal consumer reports

Experian refuses to remove false information that is displayed within my XXXX Experian XXXX. The " feature '' in my paid subscription is labeled as COURT RECORDS RESULTS. At first, I was pleased to find this within the monthly subscription as I thought it would be advantageous to have this at my disposal. Unfortunately, I found all the data to be completely fallacious as it showed that I had been arrested over XXXX times. According to these police records, they were duplicated, in counties where I have never lived or even visited, and the list goes on. For example, the false reports indicated that I was incarcerated after being arrested for XXXX XXXX 's in XXXX. I paid to have a XXXX XXXX Police background check which obviously showed no record of me ever being arrested in the entire state. I have a certificate of authenticity to prove it. I sent Experian a certified package with dozens of pages which exonerate me. They absolutely refuse to remove the XXXX plus accusations from my portal and the employees treat me with no respect and lie to me every time I talk with a different employee located somewhere in XXXX. They NEVER speak clear XXXX and pass me from XXXX department to the next. Some of the departments are as follows : Internal Fraud, Membership, Information Technology, Restoration and Disputes. I have begged dozens of employees to help me, and their only answer is to call every Jurisdiction in XXXX XXXX listing this ID theft information. Please note that some counties across the nation have XXXX or more jurisdictions. I AM ONLY REQUSTING WHERE MY SENSITIVE IS WITHIN EXPERIAN AND TO REMOVE THE HARMFUL DATA WITHIN A " FEATURE '' OF EXPERIANS CALLED COURT RECORDS RESULTS. I ALSO HAVE A POLICE REPORT PERTAINING THIS INCIDENT. Please help me with this horrible situation and be aware that I have placed fraud alerts and freezes on all three credit bureaus. Thank you so very much.
Product: Vehicle loan or lease

I, XXXX XXXX, consumer, On XXXX XXXX, I talked to a representative from Capital one and they stated I was approved for a XX/XX/2022charger, from XXXX XXXX XXXX XXXX XXXX. 
My denial of XXXX XXXX XXXX XXXX XXXX offer of down payment towards the vehicle, cause me not to be able to negotiate, and XXXX XXXX unfair and deceptive practice, cause me not to obtain the vehicle. 
On XX/XX/XXXX, Capital One then Declined my credit. ( see attachment )
Product: Checking or savings account

I had an account with XXXX XXXX XXXX XXXX. Fraud was committed on the account and a police report was filed and provided to the bank. I dispute owing the amount of {$1000.00}. This was a fraud case and all appropriate actions were taken to report and all police documents were provided to the back as requested. This item is being incorrectly reported and needs to be removed from my credit report. This is not a correct charge.
Product: Student loan

I have been struggling to repay a private student loan for over 8 years. I have been contacted through Navient and two account recollection companies during this period of time and because of the type of loan it is, have not been able to get any type of relief or anything. I have been in flux with employment and it seems that the private branch of Navient and one of the account recollection companies do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

Got loan for XXXX  back in XXXX to help with rent, started paying loan back on XX/XX/XXXX of XXXXdollars every Friday which is my payday. As of XX/XX/XXXX still paying already has taken XXXX  dollars from account next withdrawals on the XXXX. To me that's way too much to pay off for small loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX 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 XXXX 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.
Product: Checking or savings account

Since XX/XX/year>, I have observed a recurring pattern with my Citizens Bank account in which my debit card transactions appear to be manipulated in order to extract and initiate overdraft fees every month. I have noticed that several transactions are listed on dates and times when I did not actually make any transactions. In an effort to resolve these discrepancies, I reached out to Citizens Bank and spoke with XXXX different representatives. 
Unfortunately, contacting customer service hasn't been helpful-one representative hung up on me after I requested to speak with a supervisor. These ongoing issues with my account raise serious concerns.
Product: Debt collection

I received an email from your company on XX/XX/year>, but I have not yet received a proper debt validation letter that includes my signature
Product: Credit reporting

Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my credit report to the correct dates. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i noticed an account that was opened fraudulently this account is hurting my ability to gain credit. 

In order to verify my identity and avoid any delays I have included proof of address, my state issue ID, and social security card. 

I hope and trust that the credit bureaus will work fast and diligently to get these accounts removed. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, ca XXXX I am not liable for this debt with XXXX XXXX XXXX ( insurence ), I do not have a contract with UNIVERSAL RECOVERY CORPORATION XXXX They did not provide me with the original contract as I requested. UNIVERSAL RECOVERY CORPORATION called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until UNIVERSAL RECOVERY CORPORATION proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

On XX/XX/XXXX, I called USAA to report fraudulent transfers on my checking account resulting in XXXXXXXX XXXXXXXX dollars. They opened an investigation and claimed no fraud was detected. I called again two weeks later and found I was completely locked out of my account and my username, password, phone number, address, email, social security number was changed and the USAA representative had to help me log back into my account and change my information back, also discovered three accounts opened in my name a checkings, a Savings and a credit card. They reopened the investigation and claimed no fraud again. I called again on XX/XX/XXXX and talked to the CEO department, the department claimed to not know what the disconnect was because we live in XXXX and the charges are being made in central california, as well as all my personal information being changed and the addition of a person to the account, they had to reopen the investigation again and denied the claim again.