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

On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX : {$2400.00} XXXXXXXX XXXX  : {$1500.00} XXXX XXXX XXXX : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX XXXX XXXX : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.
Product: Mortgage

The compliant is with XXXX XXXX XXXX a company that holds a second mortgage lien on our property. A chapter XXXX bankruptcy was filed in XX/XX/2009 which discharged both the first and second mortgages. We have continued to pay the first mortgage but not the second at the advice of our lawyer at the time of the bankruptcy. Neither the first or the second mortgage was reaffirmed. We have tried to work with Real Time through  XXXX XXXX and have offered Real Time a {$22000.00}. settlement to release the second lien. Real Time advised both myself and XXXX they would accept the {$22000.00}. and would send the contract to XXXX. The loan was changed from a HARP loan to a conventional loan and the home was appraised at XXXX. The current amount owed on the first is about XXXX and quicken was going to approve a loan of XXXX ( 80 % ) of the appraised value to pay off the first mortgage, pay closing costs and pay Real Time the XXXX. Real Time also stated they would be sending a contract to quicken to complete the loan. Real Time did not send the contract and now the Real Time rep states he did not agree to XXXX and now they are saying they want XXXX to release the lien. Neither XXXX or myself can do this and XXXX cancelled the loan. I discussed the matter with the XXXX Rep and she said they did tell her they were going to accept the XXXX settlement which is why XXXX proceeded with the conventional loan process. I believe a good faith offer was made to Real Time based on what I was able to do working with XXXX. Both XXXX and myself were told the offer was accepted and we have E-mails between XXXX and Myself stating they agreed to the offer. 
If the home 's value continues to appreciate and I keep making my mortgage payments so I believe it will, I believe Real Time will try and foreclose when they feel there is enough equity in the home to justify them Paying off the first. I believe they have acted in bad faith and failed to honor a verbal agreement which has caused severe stress on myself and wife and caused a loss of funds and many more work hours for XXXX XXXX  to try and complete a loan they had approved based on information they received from Real Time.
Product: Student loan

I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX   and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove it
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows on my consumer credit report. 
Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Terminated Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$2100.00} Credit Limit : {$2100.00} Past Due : {$0.00} Payment Status : Current This is a violation of crfp reporting of an open account that is terminated under my name with the credit balance {$0.00} that was not opened by me and is not in their system as an Account owned by me. XXXX  XXXX fraud specialist said on XXXX verified over the phone that it does not belong to me but still reports on my consumer credit report. And they will not delete the record as it's not an account in their system and they said to contact the credit union reporting it.
Product: Mortgage

XX/XX/XXXX : XXXX XXXX refinanced our loan at 8 % a variable interest rate. We signed loan documents ( under extreme pressure to keep our home ) on the day our contract would expire with the seller. We had the intention of refinancing just as soon as possible. The advice we were given was we MUST wait for 1 year to refinance. 

XX/XX/XXXX : Applied for a modification. Current on payments. Credit Score XXXX Missed XXXX payment in hopes the MODIFICATION would be approved. We called several times during the month to check on progress and to make sure SPS Servicing knew how committed we are to keeping this house. 

XXXX XXXX : Numerous calls were made to check on the status of our Modification request. When two payments were missed {$6000.00}, it was impossible to make up. SPS servicing representatives assured me ( documented calls ) everything would be fine, they would work with us, help us keep our home, not just come and take it. We received multiple letters in the mail, informing us there is nothing to do but wait. Meanwhile, our outstanding balance became over {$15000.00}. We now believe this process ( 6mths ) was due to how long it took for SPSXXXX XXXX to determine the property value. As soon as it was estimated we have over {$100000.00} in equity we received a DENIAL letter. 

XXXX XXXX We received a letter denying our MODIFICATION requests for the following reasons : Investor/Guarantor not participating, insufficient recent payments and inadequate funds. The two options we were offered ( 1 ) Short sale ( 2 ) Deed in lieu of foreclosure. They gave us 30 days to bring the account current. 

XXXX XXXX hired a law firm to help with the modification process. 

XXXX XXXX received a full refund of our retainer as the law firm was unable to get the company to budge. At the end of the month, We contacted the XXXX XXXX XXXX and applied for XXXX preservation benefit, past-due mortgage support ( XXXX ) with a representative ( XXXX XXXX XXXX ). 
I have been paying down my debt, my student loan ( {$80000.00} ) and have some cash saved to pay into the mortgage. Even if I pay in full, my credit is below XXXX and we have a history of 7 months of LATE mortgage payments. I do take responsibility for not making my payments as agreed, but we were in constant contact with SPS servicing who assured us they could help and would not take away our home.
Product: Student loan

My student loan was transferred from XXXX to navient in XX/XX/XXXX, I was not made aware of this switch. Until this time, my payments have been current. Because of an excess payment when with XXXX, my payments continued to be made for some time although I received late fees everytime. In late XX/XX/XXXX I was made aware by phone that my account was delinquent. I honestly am having a hard time keeping it all straight but for the last 3 weeks I have been on the phone with Navent, XXXX and my bank trying to make payments When I was made aware that Navient is now the holder of my loan, I logged onto the website and signed up. I entered my bank account numbers and made my first payment on XX/XX/XXXX. To date, I have tried to make payments 4 times since XX/XX/XXXX with the most recent being today XX/XX/XXXX. Each time, I checked my bank account a few days later and upon seeing the money still there, called Navient. Each time Navient told me that the bank rejected my payment. I was never sent an email with this information. In the meantime, they helped me put my loan in forbearance until XX/XX/XXXX so I would not receive further hits on my credit due to their incompetence. ( my words, not theirs ) I was advised to call the bank to see why they were rejecting the payments which I did on XX/XX/XXXX after realizing that my first payment was rejected. My bank ( XXXX XXXX XXXX ) said that they had never received any requests from Navient and I assumed that the problem was on my end with the numbers that I gave Navient. I proceeded to repeat this process 2 more times, verifying and reentering my bank account and routing numbers each time. Both times, my payment was not processed and my bank still has not heard from Navient. The excuse that I get from Navient for my bank never having heard from them is that I must have given the wrong numbers so I printed out an account verification and used it to verify the numbers I put on my Navient account. They match exactly. I tried one more time to make a payment. Today, XXXX XXXX XXXX, I made the payment of XXXX to my account. I am writing this complaint to document all that has occurred, I feel that I have no other recourse against this company and that they will ruin my credit. I have been paying my loans faithfully since I graduated and am financially able to make my payments. When searching the company, I find that others are having similar problems making their payments. I find this disgusting and predatory whether it is purposeful or due to incompetence and I want to do my part to make sure that Navient is held responsible for their actions.
Product: Debt collection

When I am working they are calling my phone between 1- 3 times a day usually in a row. Lady name XXXX is calling and she doesnt say it is a call fro a debt collector till near the end of the call or when i bring it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX & XXXX Account XXXX 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 instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particulary inlight 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 adequeately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasinle. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Money transfer, virtual currency, or money service

I sent a western union in the amount of {$290.00} to A friend in XXXX and When they sent me a picture of the receipt I realized that only {$190.00} of the money was received. I was prompted to investigate why the full amount was not delivered and I decided to file a complaint
Product: Debt collection

The company is currently trying to collect a medical debt payment for a hospital visit in the state of California. I had medical insurance at the time the provider didn't bill even though the hospital had my information. California has been a No Surprise Act State since XXXX. The company was contacted and informed that I do not owe this amount it should have been handled by the insurance. The company refused to contact the insurance even though an EOB was provided showing I had insurance at the time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts have been marked as inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.
Product: Money transfer, virtual currency, or money service

I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He said that he tried to send me money through Zelle, but that I had to update my account to a business account to continue with the transaction. I would have to send him {$100.00} to do so, and I did this through Zelle. I got a message saying that " I have a pending payment of {$220.00} USD. We should be crediting your account now but we noticed the account has been limited and not a business account so it can't be credited so we need you to contact the buyer to send in the amount of {$200.00} USD to your Zelle account so it can be changed to a business account be credited immediately with $ XXXX into your account. '' I sent him another {$200.00} through Zelle. The email he used for Zelle was XXXX and the alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He also repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. 

I blocked the seller from sending any further messages. 

I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI Internet Crime Complaint Center. 

I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XX/XX/XXXX, also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXXMy Full Legal Name : XXXX XXXX XXXX XXXXMy Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of the addresses please delete these outdated addresses and update with one above. 
I demand my social security and date of birth be removed from being displayed on credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} Account number XXXX I have attached a copy of my identify theft report
Product: Credit reporting

I got my Identity stolen, I have been reporting this over and over again. I know I did n't do some most of debt that is on my credit report. Like this one Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And this XXXX Creditor Contact Details CREDIT PLUS XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have never been to any of these business 's Then I told about this one months ago XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX RETURNED ITEM Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Direct Dispute This is what they say I owe, I had my bank account robbed and now they say I owe it, It was a fraud. I reported it and I still get the bad credit. There is so much that i did n't do. 
Like this one also XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # XXXX {$100.00} Balance XXXX HOSPITAL Original Creditor {$100.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Responsibility Placed for collection Remarks Note I have medical and I did n't do this one. 
And this one XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$71.00} Balance XXXX XXXX Original Creditor {$71.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility -- Remarks Note I have medical. 
All of this showed up after I was robbed. I reported it but no one listens. I do not owe these things. I hope you all will listen. 


Account # XXXX {$26.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$26.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks I know I did n't do any of these things. Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 6 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX Bank - Acct XXXX XXXX XXXX - Acct # XXXXXXXX XXXX  - Acct # XXXX XXXX- Acct # XXXX XXXX XXXX  - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX 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 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