23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield called my cell phone and I could not answer. I called them back to find out that they were collecting on a rental agreement for my son that I co-signed on. My son is responsible for paying that debt, so I wanted to know how much was due, how much he had paid already, and the last date of payment. I let them know that I will not be paying it, but I can guarantee they will be hearing from my son who is responsible for the debt. After this conversation, Hunter Warfield called me right back to try to set up payment arrangements again after I let them know that they would be hearing from my son to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in the Equifax hack onXX/XX/XXXX. I do not yet know how this hack will effect me. I do not know what should be done, but this CAN NOT happen again. Equifax, XXXX, and XXXX should have the best security available. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report back in XXXX and saw inquires that where not mine I sent out Certified letters to creditor and credit bureaus. I also talked to a manager with Equifax told me to fax my personal information and all inquiries but still nothing has been done. The actions kept happening on and off in XXXX no accounts where created but attempts where made. so I made up my mind to call the bureaus to handle.
Product: Mortgage

I was in an open bankruptcy and my mortgage company foreclosed on my property and they did not notify my husband that our property was being foreclosed on. I applied for a loan modification and it was denied. I owe more than my property value and they just want to take my house.
Product: Debt collection

I've tried to fix this more then once but the telemarketer uses offensive words and will not help fix this problem on my report.
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 impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I am writing to dispute an item on my credit report. I have been having issues with XXXX XXXX for quite some time now. Despite numerous attempts to rectify the situation, I am still having to file complaints and dispute letters. I am extremely frustrated with this situation, as I was promised that this issue would be resolved within 10 days. It has now been 65 days and the issue is still impacting my credit score, which is preventing me from moving forward on a loan. This is causing me a great deal of emotional and physical distress, and I am at my wit 's end. Please see the attached documentation regarding my accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$35.00} a. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. And also, the bankruptcy information currently reflected on my credit report is not only inaccurate but egregiously so. The case purportedly being reported as valid and accurate is patently incorrect. Contrary to your records, there has never been a case tried or seen, and unequivocally, there is NO JUDGMENT associated with it. Absence of a judgment indicates the absence of a case a basic legal principle seemingly overlooked in your reporting. It baffles me how a case that was never presented before a judge is now being reported as valid on my credit file. I demand that this erroneous account be promptly expunged from my credit report. Failure to rectify this situation with the utmost urgency will leave me with no choice but to pursue legal action. Be advised that I have already consulted with my attorney, and should this matter persist beyond 30 days from the date of this letter, a federal case will be initiated against the responsible party. XXXX XXXX CT CA XXXX XXXX XXXX Filed on XX/XX/XXXX. I implore you to take immediate action to correct this gross misrepresentation. Disregarding this request and continuing to disseminate inaccurate information will compel me to seek legal redress without hesitation.
Product: Money transfer, virtual currency, or money service

Paypal keeps on putting holds on my account for no reason. This is ridiculous! They peremently limited me because I spoke my mind and gave feedback!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account number XXXX XXXX # XXXX XXXX XXXX Toyota XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this creditor has violated my right under XXXX XXXX XXXX sec XXXX that states I have the right to privacy, also under XXXX XXXX XXXX section XXXX a consumer reporting agency XXXX not furnish my account without my written instructions. Under XXXX XXXX XXXX ( A ) a creditor XXXX not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Product: Student loan

In XXXX, XXXX I submitted my Teacher Loan Forgiveness Application ( TLFA ) to the amount of {$17000.00}. It was denied. When I asked for the specific reason for the denial, they issued me a generic form with all the requirements needed to fill the application. A for I already have. 

I made some changes in what I felt was necessary and submitted it three times after further reviews, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time respectively, my application was denied while failing to give me specific reason ( s ) for the denials each time. These three latest submissions were made with the help of a specialist at the Department of Education, XXXX XXXX XXXX, whom I reached out to. 

My last application with the help of XXXX XXXX again, who checked my information and assured me everything was accurate, was submitted on XX/XX/XXXX and denied. I tried to call the company but they never picked up the phone despite calling on diverse dates and being on hold up to an hour each time.
Product: Credit reporting or other personal consumer reports

I had spoken with Duvera ( Easy Pay ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Mortgage

My XXXX mortgage statement Amount Due was XXXX with a due date of XX/XX/2020 I paid that amount on XXXX/XXXX/2020 in addition my statement showed a unapplied partial payment of XXXX which was a payment of my escrow shortfall made on XXXX/XXXX/2020 added together added up to my regular monthly payment of XXXX, on XXXX XXXX,2020 Shellpoint reported my account 30  days late which impacted my XXXX score by XXXX points. I am attaching all pertinent documents to prove my case.I was told by there representative XXXX XXXX there was nothing she could do about correcting the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. XXXX  reporting three late payments and comments on closed accounts which is Error, Equifax reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, Equifax and XXXX  of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I filed a dispute through credit karma. I can not file another dispute because the site thinks the dispute is not final. 
Tried through XXXX via mail and phone with no results.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

As notified before, i am a victim of identity theft
Product: Student loan

Every day, I watch the accrued interest balance growing, which is quite alarming. Although there is a suggestion that accrued interest on my eligible loans may be waived, there remains uncertainty regarding the interest on ineligible loans under XXXX XXXX XXXX 

Notably, Nelnet has advised against making any payments at this time. It has been suggested that 1. ) Nelnet is unable to calculate a payment amount while my loans are in forbearance and 2. ) doing so could further complicate and prolong the loan forgiveness process under XXXXXXXX XXXX XXXXXXXX. 

Contrary to the aforementioned information, I received a letter from Nelnet dated XX/XX/year> with a payment amount. I contacted Nelnet and was told they don't know how this amount was calculated. 

Any assistance that your office can provide is greatly appreciated.
Product: Debt collection

Although the debt attempt was not viable I paid the bill directly through XXXX. I then called Diversified Consultants, Inc. to report the bill had been paid again. Diversified confirmed the account was closed. I requested proof off payment and account satisfaction both via email and hard copy. I was told both should be received within 48 hours. I verified my email address 3 times. 9 days later I still never received confirmation. On XX/XX/XXXX I called again. I was again told the account was closed to satisfaction. I again requested confirmed and was told another 48 hours. I insisted on speaking with a manager after getting nowhere with the initial representative who stated they were helping me because they could not get ahold of the person who was handling my case. Someone representing themselves as a manager picked up the phone, said this is XXXX XXXX please hold. The phone was then left off the hook-on hold for over 30 minutes without my concern being addressed. Needless to say, I still do not have proof of payment. I even tried several times to access he online potal to print receipt myself and I only get back a message stating the account does not exist.
Product: Debt collection

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, XXXX ( original creditor ) and JH Capital ( or JH Portfolio Debt Equities ; collection agency ). 
I currently have a {$6400.00} collection from JH Capital ( aka JH Portfolio Debt Equities ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the JH Capital tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and JH Capital to stop reporting this tradeline. I am also writing to require JH Capital to immediately stop reporting this tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Equifax. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).
Product: Debt collection

Account Name : SYNCB/MILLS FLEET FARM Account Number : XXXX Date Opened : XX/XX/2014 Balance : Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with Douglas Chancellor and Meyer Associates ; opened XX/XX/2018 ; which is false. I contacted XXXX by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX  would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XX/XX/XXXX I filed a XXXX XXXX  which I had a loan with one of XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/17 which again I did not intitate and I never received any other loan from them. Douglas Chancellor and Meyers Associates has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with Bank of America on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my XXXX report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call XXXX 's and tell them what happen but she just sent me over to XXXX 's and ended the call. 

I have been dealing with XXXX to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe Bank of America money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.
Product: Debt collection

My father whom I share the same name with has stolen my identity and was been opening up numerous account of various types over the last several years. I have filed countless police reports, however the problem continues because I do not know where he is located. All I know is that he lives somewhere in Florida. 

Midland Credit Management has sent me some very threatening letters and voicemails in regards to suing me for accounts that are not mine. There are five account with different amounts, which include : XXXX XXXX  for the amount of {$370.00} XXXX XXXX for the amount of {$650.00} XXXX XXXX  for the amount of {$660.00} XXXX XXXX for the amount of {$9900.00} XXXX  for the amount of {$1100.00} The original creditor for the above mentioned accounts is XXXX XXXX. I have reached out to them numerous times to let them know that this matter is identity theft, however they do not believe me and sent these fraudulent accounts to collections with Midland Credit Management.
Product: Credit card or prepaid card

I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.