23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I tried to access to my account and is restricted since XXXX, 2023. They don't know whats going on with my account. I have been called so many times and they just ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the XXXX data breach so please investigate this matter immediately!
Product: Student loan

Date : XX/XX/XXXX orignal Loan XXXX Balance:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to have items removed from my credit report. I was turned away and treated unfairly concerning my disputes.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion about late payments on my account with XXXX XXXX XXXX XXXX. I contacted the credit union to find out when the late payments happened. There were no late payments the credit union made a mistake. I have disputed with TransUnion and the credit union has disputed with TransUnion. But they will not change the payment history. And they will not let me dispute the charges anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account reporting on my XXXX credit report that was closed in XX/XX/XXXX. I pulled my credit report today from FICO.com and it shows that XXXX  is reporting this closed account with 30 and  60 days lates in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. HOW ARE THEY REPORTING CURRENT LATES ON A CLOSED/PAID ACCOUNT? 

30 DAYS LATE - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE -  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX This has been an huge impact on my credit report and is affecting me greatly. This account has been paid/closed for 5 years! Not to mention that the account has been reporting negatively on my credit report and XX/XX/XXXXmakes 7 years since the date of 1st delinquency.
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems regarding a debt of {$640.00} that originated from XXXX. While I acknowledge that this debt was incurred, my financial situation has changed significantly, and I am now unable to repay it. Despite my financial hardship, Jefferson Capital Systems continues to report this debt, causing ongoing damage to my credit score. 

Additionally, I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with XXXX and their legal right to collect this debt. Without proper validation, the continued reporting of this debt is misleading and unfair. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are required to ensure the accuracy of the information they report. Given that this debt is unvalidated and uncollectible, its continued presence on my credit report is both unjust and harmful. 

I request that Jefferson Capital Systems immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.
Product: Student loan

Fed Loan is providing inaccurate information and is not notifying their customers of the changes in the law since the CARES ACT was signed. For example, FED LOAN is telling me that I missed my deadline to recertify my IDR plan for PSLF. However, the FAQ on the studentaid.gov website run by the Federal Government says the following : " NEW : My Income-Driven Repayment ( IDR ) recertification date is coming up soon. Will the administrative forbearance affect when I should recertify? 

Yes. You will not have to recertify your income before XXXX XXXX, 2020, regardless of whether your recertification date would have happened prior to XXXX XXXX, 2020. As part of the administrative forbearance, your recertification date has been pushed out six months from your original recertification date. You will be notified of your new recertification date before it is time to recertify. '' Even when enlightened to this point, FED LOAN is refusing to adhere to these guidelines. How are borrowers supposed to know what is true if the lenders are providing inaccurate information?
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, upon reviewing all XXXX of my credit reports XXXX. Transunion, XXXX and XXXX. They all reflect unauthorized hard inquiries on them.
Product: Credit reporting or other personal consumer reports

Hello. After being contacted by my bank for an attempt to use ach payment I immediately notified the creditor XXXX XXXX XXXX XXXX ( thru XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent XXXX messages asking for XXXX XXXX XXXX since this ach was done in error but still no response even though I have kept my payment history positive
Product: Debt collection

I asked several times for them to stop contacting me, I returned the vehicle to the dealership that has since then shut down.
Product: Debt collection

Wells Fargo, XXXX, calls every morning between XXXX and XXXX, and has been doing so for weeks. They ask for a relative who lives in another state, but will only say it is " regarding a business matter. '' Because they refuse to tell me anything more, I assume it is a debt collection covered under the FFDCPA. 
I have XXXX  spoken to individuals telling them to stop calling this number, but they ignore me and keep calling. I finally spoke to a supervisor, who told me that they don't have to quit calling this number because the account owner provided that number to them. I told them it was my phone number and that I, as the owner of the phone number, was telling them to stop calling it. The supervisor told me that only the account owner ( apparently of some debt they are trying to collect ) can change the number. 
To be clear, I am only guessing from their refusal to say what this is about that it is a matter covered by the FFDCPA. I have nothing to do with it, other than being the person whose phone number they keep calling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX , PA XXXX To whom it may concern, I was informed by your company ( XXXX ) that account # ( XXXX ) with XXXX XXXX  was deleted from my credit report. 
I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business after the Reinsertion or, if authorized by the consumer for that purpose, by any other consumer if Authorized by the means available to the agency I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this and I now reserve the right Pursuefor this clear violation of the FCRA! 
I demand that you immediately DELETE this Account from my credit report in order to avoid legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX
Product: Mortgage

This email was sent to Home Point Financial and explains my complaint : After trying to call you on multiple occasions and being disconnected after 30 minutes of wait, I finally reached a voicemail and left a message about a letter you sent me that said I missed a payment, I have never heard back from you and it has been several days. I have never missed a payment on my mortgage and since you bought my loan nine months ago all of my electronic payments to you through XXXX XXXX have gone through. The last payment was credited to you on XX/XX/XXXX and I am about to send another payment for XX/XX/XXXX but I need to hear from you so that you can figure out why I was sent such a letter. If I dont hear back from you today I will be making a complaint to the CFPB about your practice of collecting my funds on time while trying to get me to pay an additional payment and late fees on a bill that has already been payed according to XXXX XXXX. Nothing has changed in the way I pay your bill electronically through XXXX online banking and you havent sent me anything that would indicate a change on your part. 

It is sad that you can not be reached by phone or through the internet as both where tried on your established phone numbers and website. You should be ashamed of your business practice of being unavailable after you send out erroneous late letters in order to prompt additional payments and fees on mortgage payments that are not late. I would contact the XXXX but I see you are not a part of that organization for obvious reasons. I hope I hear back from you quickly before I start contacting the state and federal resources that will answer the phone and assist me in getting you to respond about you erroneous late payment letters to home owners that require them to make another payment with erroneous late fees. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Got an email from this fraudulent company and you can clearly see this is a scam saying that my XXXX account doesn't show XXXX and experian says there website doesn't show my XXXX card SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Checking or savings account

XX/XX/2020 I attempted to make a payment of XXXX and instead XXXX was removed instead. I called immediately and they said to call the loan department. I called said could not send me my money because I owed. I said this was an improper payment out of my habits and payed until XX/XX/XXXX this was obviously an error they refused. I contacted the bank and they said they can not get involved in this disputes since it benefits their company. I said this is illegal it was an unauthorized transaction obviously an error and refused to take a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00}
Product: Mortgage

I am in the process of refinancing my current mortgage, which is with a company named Gregory Funding. The new mortgage company had requested a 30 day payoff on 3 different occasions and on each of the last 2 occasions Gregory Funding sent the same mortgage payoff which expires in less than 30 days. When I called them to request a new payoff, I was told it would take up to 7 business days for the payoff to be generated. They also informed me that they would not be sending a new mortgage payoff until the original one expired. When I asked them who regulates your company I was told the same people who regulate mortgage servicing companies. They refused to tell me who regulates them, and only after asking for a supervisor and I informing him of the problem with the payoff request, and he informing me that they will send the same payoff even though a new 30 day payoff had been requested. That they would only send the original one until it has expired. I was told that they are regulated by RESPA, and he refused to tell me the agency name. This company placed me on hold and played a recording before they could talk to me about them being a collection agency, and a lot of information about bankruptcy. They sounded and treated me like a collection agency would very unprofessional and not like my Bank or any other Bank I have dealt with in the past.
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Response to XXXX I do not have no contractual obligation nor court order to pay any alleged debt to LVNV Funding LL. I never consented for LVNV Funding LLC to obtain my non-personal public information from any alleged 3rd party source which is identity theft and violation of the XXXX XXXX XXXX XXXX. Therefore LVNV Funding LLC has infringed on my privacy by furnishing negative information to my consumer report in their illegal action to communicate with me and to ruin my reputation. As a consumer, I have exercised my right and refused to pay this alleged debt and demanded LVNV Funding LLC to cease and desist communication in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c )!
Product: Debt collection

I have a a unverified account from CONVERGENT OUTSOURCING XXXX {$890.00}. I had previously disputed this account. I have never done business with CONVERGENT OUTSOURCING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CONVERGENT OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : DEPTEDXXXX  Account Number : XXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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: Vehicle loan or lease

I went to purchase vehicle. The owner ( XXXX  ) did not disclose with me the interest of the purchase of the car. I never received my paperwork. He kept saying I would receive it. I never receive my purchase of the vehicle paperwork. I spoke with my vehicle loan company ( Westlake ) and they said my payment is not XXXX it is XXXX because of interest and the car lot ( XXXX XXXX ) did not disclose that with me when purchasing of the vehicle. I found out the full amount of the loan last month. XXXX XXXX sold me a car that was over priced and did not disclose the full amount. I never received my paperwork from XXXX XXXX. XXXX XXXX did not disclosed an amount of the loan correctly. I feel taken advantage of.and need help. I wouldnt have never accepted that car for that price. I feel taking advantage of because I am a women and the men pressured me to buying that car. They said I had a warranty I tried to get my car fixed because the brakes, rotors, axles, and engine light was on. I call the loan company put in an estimate for the car getting fixed and was denied. The warranty did not cover none of the issues of the car. I had to pay out of pocket for the cost.
Product: Credit card or prepaid card

I had started an Amex account a little over a year ago and decided to cancel the card before the yearly fee for renewal came due. I cancelled my card after both texting the online chat option that Amex offers as well as a quick phone call to confirm a question. When I did this I asked if there were any ramifications that I would run into and was told in both instances that there were no extra charges. 

Later I was notified that I had been charged a {$300.00} charge for canceling the account which was associated with an initial offer that the Amex card had offered after purchasing $ x, xxx amount with their card within the first few months. I was only notified of this charge was due right at the due-date. Upon seeing this I called into their customer service number to see if there was a way to avoid this fee and/or restart the account to just pay the yearly fee and avoid the higher fee. I was told that was not possible, but I could escalate the issue to a manager who would later call me back in a few days. 

I received several calls from a manager at times in the middle of the night or early morning ( well outside normal business or working hours ) and was left with no way to call them back other than call into their general customer service phone number and continue to play phone tag with their managers or someone who could answer the questions I had.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles '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 inform me that recovering lost funds was impossible and that tracking these transaction was unfeasible. the cfpb finding indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulenable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to experian and XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX XXXX, XXXX XXXX Also a XXXX XXXX  account that XXXX  doesnt have any info on. 
Also the account XXXX uplift XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

This account was paid off and it is past the statue of limitations and this was already deleted so please get the to removed this account again
Product: Debt collection

Fidelis Recovery Management , LLC They keep on calling my cell, mothers cell and house phone nonstop.
Product: Student loan

I have a student loan that is serviced through Navient that was in active repayment status paid via " auto-pay '' which I have set up through their website. In XX/XX/XXXX I began taking some classes part-time. In XX/XX/XXXX/XX/XX/XXXX, without any initiation on my part, Navient changed the status of my loan to " student deferment '' meaning that my auto-payments were stopped while the loan sits and accrues interest. There was absolutely no communication from Navient that this was happening. I only became aware when I noticed the payments were no longer being drawn from my bank account.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.