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

The company Heritage Acceptance is a horror movie, the staff there is horrible, bad communication and treat people like XXXX especially the lady name XXXX, they had one name XXXX and she made me cry, I purchased a XXXX XXXX XXXX, my payments were set up for me to pay {$250.00}. Every two weeks, well I was doing okay but then my rent was not being paid in full so I had to pay a little more on the next car payment but I also explained to them that I could not continue to pay every two weeks because I needed to keep a place to stay, Pay my Rent, well that did not sit well with Heritage, I asked them to put me on a monthly plan, they said FLAT OUT NO, NOT UNTIL I GET MY PAYMENTS BACK ON TRACK. Well I continue to pay my carnote, my brother passes away and I had to pay my brother 's funeral expenses, do you know this company told me they needed proof of my brother 's passing so I had to sent a copy of the Obituary, I had a lot going on and yes I was behind on my carnote but I did get it caught up, Anyway on my credit report they are constantly reporting me 20-30-60-90 days late, On top of that the woman XXXX SAID TO ME, THAT I NEVER HAD GOOD CREDIT NOW I WANT HER TO WRITE ME A LETTER FRAUDULENTLY SAY MY CARNOTES ARE UP T0 DATE, SHE SAID BECAUSE YOU ARE IN A BIND YOU WANT A FAVOR, I HAD SPOKE WITH A GENTLEMAN NAME XXXX I WAS NOT ABLE TO PAY $ XXXX.ON XX/XX/XXXX BUT I WOULD HAVE A PAYMENT IN ON TUESDAY XX/XX/XXXX HE SAID THATS FINE SO AGAIN WHEN I SPOKE WITH XXXX AND EXPLAIN THE CONVERSATION I HAD WITH XXXX SHE SAID I DON'T CARE WHAT YOU AND HIM TALKED ABOUT YOU SAID THAT YOU WERE GOING TO {$500.00} INSTEAD YOU ONLY PAID {$250.00}, ANYWAY I WANT THIS COMPANY OFF MY CREDIT REPORT NOW, NOBODY IS EXCEPTING THIS WHEN I APPLY FOR AN APARTMENT OR EVEN BUYING A HOUSE. PLEASE HELP ME THIS HAS BEEN GOING ON SINCE XXXX AND IT IS XXXX. I NEED TO MOVE FORWARD WITH MY LIFE, MY LANDLORD IS SELLING THE PLACE I LIVE IN AND WANT HIS PLACE BY THE XXXX OF XXXX, I NEED TO GET ME A PLACE TO STAY, PLEASE PLEASE HELP ME, THIS COMPANY IS DESTROYING MY LIFE NOW.
Product: Mortgage

I do n't remember specific dates, but I 've requested twice to have them change one of my security questions : " Where were you when you first heard about XX/XX/XXXX? '' Of course I remember where I was, but I ca n't remember exactly what I put and as the question requires an exact answer, I ca n't get it. This is a frustration for me and there have been times that I was blocked from logging in. When I have previously requested a new question, I never heard anything from Ditech.
This is also just another example of Ditech 's complete unwillingness to treat its customers like people. I did not sign a mortgage with them, it was bought by them. I would NEVER willingly sign to have Ditech as a mortgagor. In fact, they are so horrible that if I ever take out another mortgage, I will have a clause written in that forbids Ditech or any subsidiary or such from ever buying my loan. This mortgage was bought by Greentree which later changed its name to Ditech, probably because Greentree had accumulated thousands of negative reviews. Ditech is on the same path.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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


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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom It MaXXXX Concern, On XX/XX/XXXX, There was a collection account reported to credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX amount XXXX Account number XXXX 3.Account name XXXX XXXX XXXX Account number XXXX XXXX name XXXX XXXX XXXX Account number XXXX has violated my rights 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 furnish a account without my written permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-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,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding a mistaken transaction that occurred on XX/XX/year>, involving Zelle. My friend, XXXX XXXX, accidentally sent {$2000.00} via Zelle to an unknown person and the transaction ID is XXXX. ( I attached a screenshot of the transaction details from XXXX just in case. ) This mistake happened because I had been out of the United States for XXXX months, and during that time, my phone number was reassigned to someone else. 

Upon realizing the mistake, I contacted both my bank ( XXXX  XXXX XXXX ) and my friend 's bank ( XXXX ) to resolve the issue. However, both banks informed us that they do not have detailed information about the transaction and referred us to Zelle for further assistance. Unfortunately, when we reached out to Zelle, they stated that they could not assist and that we should consult with our respective banks. 

I am extremely frustrated by the lack of cooperation and responsibility displayed by these institutions. Despite the involvement of multiple parties, none have taken adequate steps to resolve the situation or provide the necessary information that could help retrieve the funds. 

I believe that there should be stronger measures in place to prevent such errors, especially in cases where phone numbers are reassigned without sufficient verification. Additionally, the lack of communication and accountability between the banks and Zelle has made it impossible for us to recover the funds. 

I am seeking the CFPB 's assistance in investigating this matter and ensuring that appropriate action is taken by the involved institutions. It is crucial that steps are taken to address this issue and prevent similar situations from happening to others in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade  Commission ) rules and regulations, XXXX  Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and XXXX  Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX XXXX XXXX, XXXX XXXX, and XXXX   credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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, credit repair services, or other personal consumer reports

The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 I made 3 reservations for 5 hotel rooms for a family wedding in XXXX, NY. The rooms were paid in full on my credit card with the understanding a full refund was available if cancelled within 21 days of the event ( XX/XX/2020 scheduled wedding ). 
the wedding was cancelled due to covid and I notified XXXX and the hotel directly to cancel the reservation on XXXX XXXX. The hotel kept giving me excuses why I hadn't received my refunds so I pursued a dispute with my credit card company ( Capital One ). They processed the credits to my account but then reversed 4 of the 5 credits saying the hotel had processed refunds. The hotel only processed 3 refunds not 4. They erroneously referenced the wrong ARN number on their response to Capital One. I again disputed the 4th refund and provided full information to Capital One. They sent me a letter asking for additional information on XX/XX/2020. I replied that the requested information had already been uploaded to them. They have closed out the dispute without a refund and told me to pursue to refund with the hotel. I pursued again with hotel and XXXX and they said no refund because I am pursuing it with the credit card company. I have exhausted every avenue and I would appreciate help in recovering my {$160.00} erroneous charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to provide a mailed hard copy of my free annual credit report. They sent me a postcard stating that they could not provide it to me because I did not provide sufficient identification information and would need to submit information to them ( with no address given ) to get my report. They also state that I can get the report online. First of all, I provided them a copy of my drivers license and utility bill in the past, so they are continuing to harass me for this information so they dont need to comply with the FCRA. Second of all, they did not provide any address to submit documentation. Further, there is a cost to make copies of the documents that they are requesting and there is a cost to mailing this information. How is this meet the criteria for my free annual credit report? I am not sure why Experian feels that they can continue to avoid following the FCRA and continue to force me ( harass me ) to provide additional information, which I have provided to them in the past.
Product: Debt collection

A young lady called me stating that a company called XXXX associates have been trying to contact me to deliver a notice to serve. I called the number and a man answered stating legal action for a debt amount of {$8000.00} for a signature loan to Citibank. 

I have never owned or had any relationship with Citibank, I am not sure what this is about, the man stated the loan was taken out in XXXX  State, of which I have not lived in XXXX in over 6 years. 

The man stated that legal action has been taken against me, but no other information was provided. He stated that I would be served with papers to appear in XXXX  court. 

I live in XXXX and I am not sure what this means. I would like any help and assistance. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureau must validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance {$64000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan
Product: Student loan

I went to XXXX XXXX XXXX XXXXXXXX from XXXX, less than years of education and my debt is {$100000.00}. I went back to college to try and support my son and myself to a better life ; however, I did not know the end result would be so devastating with the accumulation of this amount of debt. This shows up, if I go to borrow money and prevents obtaining the amount I need because of the debt to ratio. I am in a public service position, a police officer, and I am also enrolled in the Public Service Loan Forgiveness ( PSLF ) Payment plan. I believe I have been overcharged in my college education, even though I went back to college late, I do not believe the cost should be this great. I obtained my Associates Degree first, with classes transferring in which I had taken prior to XXXX XXXX XXXX XXXXXXXX, and then I obtained my XXXX XXXX XXXX, both degrees were in XXXX XXXX XXXX. Finding a job in my area with this degree, as great as I thought it was, was difficult. After not being able to get a job, I decided to go to XXXX XXXX XXXX XXXX and I became a XXXX XXXX  and now XXXX XXXX I love what I do and will continue working as a XXXX XXXX, trying to help people and keep the community safe. I would ask you to please review my account with XXXX XXXX XXXX  XXXX and see if there is anything you can do to assist me with this issue. I would like to thank you in advance for your efforts concerning this matter.
Product: Credit card

Credit Card : Banana Republic Rewards XXXX Issuer : Barclays XXXX I openened the card in XXXX of XXXX at a Banana Rebublic store after seeing that there was an ongoing promotional offer of XXXX Banana Republic rewards points for all NON-BRAND credit card spend, anywhere XXXX is accepted, through the XX/XX/XXXX. 

In XX/XX/XXXX, I purchased {$1100.00} of goods that count towards that non-brand spend. They were for goods and NOT cash equivalents. Per the terms and conditions, I should have received XXXX points ( XXXX ) within XXXX billing cycles but have not. Additionally, on XX/XX/XXXX, I made another NON-brand spend of {$7200.00} ( also of goods ) of which I am expecting XXXX points as well. 

To date, I have not received the XXXX credit card bonuses that I should have received. 

In order to rectify and investigate this, I reached out to both Banana Republic and Barclays XXXX customer service on XX/XX/XXXX and was given the case number from Barclays of XXXX. 

I reached back out to Barclays on XX/XX/XXXX for an update and was told that upon reviewing my account they could not find any such XXXX non-brand spend reward points bonus for my account and that I would need to send proof. I have received multiple emails with the offer up to this point ( which I will attach ) and so at their direction I PRINTED out the email and mailed it to their po box XXXX in XXXX DE on XX/XX/XXXX and confirmed with XXXX tracking that it arrived XX/XX/XXXX. 

Today as of XX/XX/XXXX, I have had no updates from Barclays and do not see any of the points yet that I should have received. I am hoping that reaching out through a complaint here with the CFPB will net me a positive result, that I won't have been gypped out of hundreds of dollars worth of points.
Product: Mortgage

We paid off our home loan on XX/XX/2021. We have not as of XX/XX/2021 received our escrow funds which are approximately XXXX We contacted company and they said, " check was mailed '', we never received it. We have a locked mailbox and have had not issues with receiving other mail. We started attempting to get this resolved in XXXX and have had a series of calls, maybe 4 or 5 at this point, where we have been informed they have to stop payment on check, ok... makes sense, and they need several more months to issue a new check... .really? 
Fact,1 ) Select Portfolio Servicing has sent us a letter confirming our loan, account number XXXX has been paid in full. 
Fact 2 ) SPS agrees they owe us the funds from our escrow account Fact 3 ) We have not been paid the funds Fact 4 ) .SPS is located in XXXX XXXX XXXX Utah Any assistance is greatly appreciated. 

Regards, XXXX XXXX XXXX.
Product: Consumer Loan

I have a lemon car, went to arbitration and won a replacement car. I have told my bank several times about this issue before I went to arbitration. Ally financial is my finance. I get the run around refusal to talk to a manager, each time they claim they ca n't hear me, my phone is breaking up, no manager or the people I need to talk to is available. The dealership sat on hold for over 2 hours with them yesterday, and I sat for over an hour. They wo n't tell me what my original loan amount was and refusal to give any information about my account. A person by the name of XXXX refused to give me any information about my account saying she could n't. My dealership tried to find out what they would finance my replacement on money wise and they would n't tell them.