23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collector contacted me to voluntarily surrender a vehicle that original lender " charged off ''. She would not identify the company she worked for but threatened to file an " order of execution '' to have police pick up the vehicle. When asked to send paper work to me to submit to my attorney she screamed at me and said there was no paper work. Just tell her where to pick up the car. She also left several voicemails on my cell phone threating the same. I saved the last voicemail. The person also called my employer and spoke to my supervisor informing him of the debt and the police coming to my office to pick up the car. My supervisor sent me an email detailing the phone conversation. I had my attorney call her and she told him the same thing. He searched court databases for XXXX Counties and found no documents filed against me. He told the person not to contact me at work nor my employer again, and to notify me in writing of any legal proceedings including documentation and not to call me any more or come to my home without proper identification and paperwork. The person would not identify where she worked to the attorney either and was very abrasive as she was with me. The attorney told me to contact the FTC as the person was calling from a cell phone, would not identify who she worked for or a work address, nor provide any written documentation of legal actions, which was a clear indication of a scam and that she violated laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX continues to report information on my consumer report. I have submitted documentation from the creditor, Waypoint in which they state that they would request deletion of the reporting of this account. Waypoint, once again, has not done what they've promised to do ; I'm having to chase down their reporting to all of these bureaus, some of which most people are not aware of, and end up with yet, another complaint here. As you will see from my correspondence, I've spoken to XXXX, and was told that they no longer have the debt and to contact Waypoint. Well guess what Waypoint : Here we are again! Everything is attached, including my correspondence to XXXX, Waypoint 's letter, and XXXX 's investigation results stating that they are still reporting this negative account on my consumer report.
Product: Student loan

I have been having EXTREME difficulty getting ahold of mohela with any meaningful response regarding my IDR application since consolidating back on XX/XX/XXXX. They processed the consolidation but did not complete the IDR application ( despite my income being {$32000.00} ). Due to inability to contact anyone I resubmitted an application on XX/XX/XXXX. After another month of me trying to contact them they denied both applications and said it was " due to studentaid.gov. '' Ultimately I called and escalated with Mohela telling me to resubmit an application ( which they did over the phone ) on XX/XX/XXXX. They then submitted a duplicate IDR application on XX/XX/XXXX. After a lack of processing XXXX weeks later I called and they then needed " additional documentation of proof of income. '' I then submitted that on XX/XX/XXXX which is listed as " processing. '' I contacted them two weeks ago and they said because of the manual verification to " give it another 15 business days. '' Now I am XXXX business days out from supporting documents, and XXXX from the IDR application. I was on the phone for 3 hours with them on XX/XX/XXXX with a total of 10 and was transferred several times to only be told to give it more time. This is incredibly frustrating.
Product: Money transfer, virtual currency, or money service

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

This account was closed XX/XX/year>. This account was also paid in full. As I recently reviewed my credit report I seen that this account has inaccurate payment history. Across all credit bureaus it is reporting a different payment history. Please delete this account as it is reporting inaccurate information on my credit report and hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and TU showing inquires not known to me FTC violations XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX
Product: Mortgage

After stating in their previous response ( XXXX ) they were not trying to take my home, I just received a statement for {$71000.00} due in a little over 30 days. 

This complaint is concerning M & T Bank aka XXXX XXXX XXXX requiring a mortgage payment of {$71000.00} in just a little of 30 days, XX/XX/XXXX. 

I built my home in XXXX on XXXX lots in XXXX Al. The XXXX failed to merge all XXXX and only merged XXXX. Once I turned XXXX XXXX XXXX I was no longer required to pay property tax. Because these lots were not properly merged, XXXX XXXX via his attorney XXXX XXXX paid the property taxes, then demanded that I leave my home and claimed he owned it. 

I went to court to dispute this claim. During the course of this case ( XXXX in the Circuit Court XXXX XXXX XXXX , Alabama ) I met XXXX XXXX who represented M & T aka XXXX XXXX since they had an active mortgage on the home and would take a loss as well if this gentleman were to take the home. I was advised that it would be in the best interest of the bank and me, if he combined the case and represented us both. I agree. He said not to worry about any fees. Now, I am receiving notice from M & T that I owe a corporate advance in the amount of {$71000.00} for the attorney fees. My principal balance is {$15000.00} and my monthly payments are {$550.00}. Now, I am fearful of losing my home because I can't make a payment of XXXX XXXXXXXX. I previously filed a complaint with the CFPB when they increased my monthly mortgage to over {$1700.00} per month. I explained I am on a fixed income and did not agree to any of these charges. They reduced the payments back to {$550.00} for a few months and now sending this statement. I have attached the statement below for your review as well as the CFPB response provided by M & T to this issue. Please Help! 
I previously received a letter from XXXX XXXX who also mentioned he may or may not respond. This is clearly abuse. How can I make a XXXX XXXXXXXX payment for charges I never agreed to. Additionally, the attorney advised that M & T dropped the ball in the original loan documents that would prevent something like this from happening. Because of this case, they amended their mortgage loan language to prevent someone from attempting to acquire a property they have a mortgage on via taxes. Now, they are trying to force me to pay for their mistake. I am trying to seek an attorney or legal help but as stated before I am on a fixed income and XXXX XXXX XXXX. This is incredible stressful. I hope someone at the CFPB will actually read this and help.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX  days before the payment due date. 


EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Mortgage

I had a fire loss to my property last year in XXXX. My insurance company came out and inspected the damage and estimated the cost of repairs. I found a contractor who also submitted a cost estimate to complete repairs along with a payment schedule. This proposal was accepted by both myself and my insurance company and the insurance company cut a check for repairs. The check was made out to my husband, myself, and my mortgage company. So far, we 've had 1 inspection that indicates that 50 % of the work has been completed. My mortgage company 's loss draft department is now not following the contract, and has so far released 50 % of the funds but has not been willing to dispense more funds to continue working. My contractor has written that without more funds sent we will be in breach of the contract and he will walk from the job. I 've spoken with the mortgage company numerous times at this point. They insist that another inspection needs to be done to send more money, and I have ordered another inspection in the hopes that we can continue to move forward with my home repairs. However, each time I call Planet Home Lending they have no records of an inspection having been ordered and I am told that I must speak with my processor. Yet my processor is always either on the phone or not in the office and I 'm told that they will call me back. No one has called me yet and when I call I continue to get no answers.
Product: Payday loan, title loan, or personal loan

What Happened- I took advantage of an offer from XXXX for debt consolidation. I applied and was matched with Liberty Lending. On XX/XX/2022, I was sent an email that stated that my load had been approved and this was the final review. I have this email, both saved and printed out. On Tuesday XX/XX/2022, I received a voice mail from Liberty Lending asking me to call back in because they had an update on my loan. I called back in and was told that my loan was being denied, but Liberty Lending has this awesome partner agency, that could help me and if I would like Liberty Lending could put me in touch with them. I thanked the representative for their time. 

I called back and asked for an adverse action letter, and to make sure that I would not be charged the {$440.00} payment due to come out on XX/XX/2022 printed on the XXXX statement. I was unable to get a straight answer and I was refused an adverse action letter. It appears that Liberty Lendings original offer was not genuine and that my application was always meant for this partner agency which was not mentioned in the XXXX statement. I feel that I am the victim of bait and switch. 

I also reached out to Liberty Lending via email to state my displeasure. 

I just checked the website today XXXX and their dash board is set up like I am receiving this loan. This is after I was told that I was denied. 



Thank you
Product: Debt collection

Quality Asset Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Quality Asset Recovery is in violation of the consumer laws and I am requesting that this account is deleted from my credit report.
Product: Credit card or prepaid card

Im currently XXXX  now. I have been using my card as a means to get by. For my day to day expenses. I live in XXXX everything is expensive. Most of the time my money is done in a instant. Because I don't have a steady place to lay my head, I buy a lot of food from fast food stores. I go to pantries a lot but I cant grab like meat and stuff like that. I have no where to store it. I need help please. I have amounted {$6000.00} in credit card debt. I have sent several letters to my credit card company. I have not gotten a response back.
Product: Mortgage

One of the worst companies I have dealt with. I had my mortgage on forbearance due to COVID, and I started making payments after that. They reported to the credit bureau as missing payments. Based on the agent I talked with, they redistributed the payment to the previous months instead of the current one, without my permission or even informing me. 
In the next month, my monthly payment went higher than it should be every single month for 3 consecutive months ; I called to find out they added two insurance policies on my account at the time my insurance policies are current and active. I had to call my insurance company to send them to Shell Point fax number, which either does not work or nobody gets the documents from, so whenever you call to follow up, they would say they have not received any document. 
When you talk with them, they would never admit their mistake, instead, you have to be held responsible for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect account reporting information with Experian, supplied them with undisputable legal documentation reporting error only to be told that their investigation has validated the information. Their validation of accuracy was sent to me the day after I initiated my dispute, so it was not investigated, nor did they even review the documentation I furnished them with.o Dispute of inaccurate reporting filed XX/XX/XXXX regarding 2 inacurate records from XXXX XXXX. Received notification XX/XX/XXXX that information was verified.XX/XX/XXXXXXXX XXXX dispute for inaccurate reporting. XX/XX/XXXX notified information was verified. XX/XX/XXXX XXXX XXXX dispute opened.XX/XX/XXXX verified. XXXX XXXX, same situation. This company is not following FRCA act and needs to be help accountable! These records are hindering my ability to obtain much needed credit.
Product: Credit reporting or other personal consumer reports

In XXXX I open a personal credit card. I have paid the credit card but just missed two payment out of the 1 year I had the card. In XXXX of XXXX after paying the card completely I ask them to close out the card and remove it from my credit report. In XXXX of XXXX upon checking my credit score I notice the credit card company had term open and it stated that I was still paying. So I contacted them to let them know that card was open and I closed in XXXX the said it was an error from the credit bureau and that I need to update my account or contact the credit bureau. I did both, and the credit bureau informed that the dispute I put was approved and that they would remove it. XXXX of XXXX and XXXX of XXXX I seen that the information is still on my credit as well as recently. I don't know what else to do to have the credit card to be removed. The credit bureau want me to informed them what is the issues but I have reach out to many times XXXX the same issue. There has not been any changes regarding my dispute or the conversation that we had. Or there has not been any documentation giving to me by the bureaus or the company as to why this is current situation.
Product: Credit card or prepaid card

Capital One Master Card continues to make an adjustment to my account that I have already paid. This charge of {$1500.00} was originally made onXX/XX/ for a catering event onXX/XX/. I paid this bill in full. The vendor recharged me on XX/XX/. I called Capital One to report this as a duplicate billing and was given credit. 
On XX/XX/, I was billed for this 3 more times, again I called and was given credit. 

Capital One continues to make an re-bill adjustment, claiming they have given me an extra credit. I called on XX/XX/ and thought this was finally handled and received a letter that Capital One had made a mistake and were correcting the issue. 
This letter is dated XX/XX/ from XXXX   RE:XXXX/Case # XXXX. 

On XX/XX/ my statement shows this charge again. I have called to get this removed but Capital One says that I still owe it. I do not and will not pay it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my monthly payments of my HSBC credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete HSBC payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing HSBC payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My HSBC XXXX payments and my good standing with zero past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. XXXX says I should have more cards to raise my XXXX score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my HSBC XXXX. Attached are also the HSBC card statements of XXXX and XXXX which should be reflected in the XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I need this to be resolved ASAP
Product: Credit card or prepaid card

I have been receiving a phone call every morning at XXXX XXXX for the past two and a half months, XXXX, XXXX and XXXX. The caller ID says Discover and the number that appears is XXXX. I do not have a Discover card nor have I ever had a Discover card. When I pick up the phone they just hang up so I don't even have a chance to question why they are calling. I called XXXX land line and they said they no longer block calls and my older phones do not have a call block feature. I really need help with this issue. 
Thank you
Product: Credit card or prepaid card

There were two inquiries using my name and social security number trying to open credit card accounts. I contacted both banks and had the accounts cancelled. My question is since my name and social security number has been compromised what are my next steps to rectify this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXXXXXX XXXX XXXX  XXXX ORIGINAL CREDITOR : XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my well-being, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Product: Checking or savings account

President - I gave up on complaint number XXXX and sent through the usps certified with a notarized letter for my XXXX XXXX XXXX and to accounts savings too to close my accounts and send any remaining funds to my address XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. I'll attach photos. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.