23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied for XXXX in order to refinance my mortgage with Select Portfolio Servicing ( SPS ) since XX/XX/2021 and they still have not completed this documents. I was told at the beginning of this process to allow them 6-8 weeks, but now it has been more than 16 weeks and nothing has happened. I have made all my payments on time since 3 years ago that they took over my mortgage but because I have a very high interest rate, I'm having hard time making my future payments. I have tried calling and communicating with them numerous times and every time my complains don't get anywhere. It seems like they are holding the note XXXX so please help me get my XXXX completed so I can finish my refinancing to a lower affordable rate with my new lender. Thank you.
Product: Debt collection

West Asset Management continues to call both me and my wife regarding a hospital bill from XXXX of 2013. This debt was included in a Chapter XXXX Bankruptcy and they were notified of the filing XX/XX/XXXX. They did NOT appear at the XXXX hearing on XXXX XXXX, and yet are still calling both of us as of XX/XX/XXXX. They have called my wife both at work and on her cell phone. We do not answer the calls, but have traced the number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal informa tion reporting on my Credit Report : XXXX XXXX  Date Updated : XX/XX/2013 ; XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous of letters asking them to verify and show proof of accuracy of the account that is on my report. The accounts and inquiries that are being reported is incorrect and inconsistent. 

Dispute started on XX/XX/XXXX for XXXX XXXX XXXX amount {$220.00}, XXXX {$0.00}, XXXX XXXX {$0.00},
Product: Mortgage

I 'm requesting information about my loan to the bank and they do n't want give it to me.
Product: Money transfer, virtual currency, or money service

I have concerns regarding Zelle handling of disputes. zelle failed to investigate my claims adequately.
Product: Debt collection

On XX/XX/18 the company was initially contacted at XXXX XXXX and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX . This is fraud and unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report concerning an account with XXXX XXXX XXXX XXXX XXXX. The details are as follows : - Creditor : XXXX XXXX XXXX XXXX XXXX. 
- Current Balance : {$20000.00} - Discrepancy : The account has been reported as over 120 days past due since XX/XX/XXXX, and continues to show this status as of XX/XX/XXXX. This extended delinquency is inaccurate and has been disputed due to identity theft, as documented in the attached police report and my XXXX complaint ( Case # : XXXX ). 

I was also part of the Equifax data breach and have been affected by the resulting inaccuracies and fraudulent activity on my credit report, screenshot of confirmation that I was a part of the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to fix my problem with Equifax for over two years. I am a victim of the Equifax data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. 
I have filed an Identity theft report attached I have placed a claim for Equifax Data breach I have listed again, the account 's that do not belong to me. 
As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Vehicle loan or lease

I have a loan with MERCEDES-BENZ FINANC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and MERCEDES-BENZ FINANC with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used Zelle from my business, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account. I was returning payments to XXXX XXXX XXXX, which uses XXXX XXXX XXXX XXXX. Since this was the first time I sent money to that company using Zelle, I tested it first with {$1.00}, then {$5.00}. The {$5.00} was accepted. I then tried to send {$4900.00}. That was cancelled. Then I tried to send {$2000.00}, which was cancelled. Then I sent {$1900.00}, that was cancelled as well. The next day, I saw that {$3900.00} was being held by Zelle. I called my XXXXXXXX XXXX  and they said they could not help and that it should be returned in fifteen days. XXXX XXXX called XXXX XXXX XXXX XXXX and they were told that Zelle had the money and that it should be returned within fifteen days. Since I never had this problem before, I am concerned that my {$3900.00} will not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the company of inaccurate reporting of the date of last activity, the incorrect amount, and never received a response from the company. Ive made several contact attempts and never receive a response in writing.
Product: Mortgage

Dear, XXXX XXXX XXXX XXXX  i get my XXXX XXXX check on XXXX Wednesday of each month to cover my mortgage payment that was setup Autopay with XXXX to be deduct XXXX of each month for some reason they changed on XXXX and cause NSF on my bank paid {$35.00} and XXXX for {$15.00} total of {$50.00} that shouldnt happened in the first place and I had to call them why they did I can not get an answer I want to know why It changed and are they going to draft my payment on XXXX of each month including XXXX payment and credit the {$15.00} at their end and pay {$35.00} to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX DBA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act BARCLAYS account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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

It looks like PayPal is still doing it. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ I was automatically billed for a service I did not remember signing up for automatic and thought I was just doing a one year payment one time and did not have the funds available in the account which I gave to PayPal and they told me over the phone they fronted the money. 

I also never remember signing up or clicking anything that allowed PayPal to be my creditor. I did a search and found that article and decided to add my testimony that this is still a problem. PayPal told me they are just a processor and when I asked then what bank paid the merchant they then switched back to saying PayPal fronts the money so you do not have to wait 3-5 business days and I informed them with a notice of trespass that we as Americans must give written consent to act as a creditor and that I have no problem waiting until my funds clear so there is no excuse for signing me up to a system where they give money away in my name. 

If I had not got a refund from the merchant then I would have been out {$180.00} because of PayPal negligence. I got them their money back so they would stop attempting to charge my account. 

Obviously they need to be taught a lesson again since this company is still doing this. I did not expect there to have already been action against them!
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account [ XXXX ] has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l am now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint filed XXXX none of the three accounts that I have been sending several police reports and Ftc reports for two years were removed! This is a violation! I have sent police reports from two different jurisdictions XXXX XXXX  XXXX and XXXX XXXX as well as several more from XXXX XXXX. I have sent several FTC reports and affidavits for the following that you refuse to XXXX and remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also sent letter of intent to sue and also letter from XXXX stating that they have verified that IT IS ID theft and you ignored it I will proceed with legal action for this violation and also seek emotional damages since you have ignored all my cries for help to resolve this matter. 

Previous complaint filed XXXX : I XXXX XXXX XXXX Experian authorization to proceed with this complaint. This is complaint # XXXX. I am a victim of identity theft and as a result there are some accounts appearing on my credit report that are identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC XXXX Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. These accounts caused me to have anxiety become homeless, depressed, suicidal, and denied credit I am ready to move forward with litigation if accounts are not removed. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it FCRA 15 U.S. Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion these accounts was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item
Product: Mortgage

I have applied for an assumption loan after a divorce with full cooperation of my ex-husband. I started the process in XXXX. Since that time to date I have exchanged about XXXX emails back and forth. Each time additional documentation is need by US bank for a simple removal of my ex 's name for a loan I have been paying since XX/XX/XXXX on my own. I have given multiple statements from my banks, investment companies, paystubs, ect They continue to push out my request and then need me to resend updated information. I have a very high credit score, this is a small loan at this point and I have good income. There is no reason for the delay. I was told it would have been easier to just refinance for the loan, which would be about XXXXXXXX XXXX  higher interest rate. 

First email sent XX/XX/XXXX. subsequent emails have gone back and forth. Repeat requests now being asked for, many being unrealistic ( ex husband 's paystub and a XXXX transaction between the XXXX of us in XX/XX/XXXX ) XXXX verifications that XXXX has been paid, updated paystubs from my employer, which I have been securely employed with this company for over 10 years, Fidelity terms of withdrawal, XXXX US bank is clearly very biased against single woman. I have proven over and over again I can, and am, paying my loan every month without fail. They would never ask this of men.
Product: Prepaid card

Subject : Discrepancy and Unresolved Issue with American Express Bill Pay Service The check was never cashed. It was deposited and returned, instead of reissuing the check or returning my money SERVE by AMEX has refused resolve the problem. 

On XX/XX/year>, American Express Bill Pay service issued a check ( check # NO XXXX ) from my account to my landlord in the amount of {$1600.00}. Unfortunately, upon attempting to deposit the check, my landlord was informed by the bank that it could not be cashed due to a " refer to maker '' notation. 

Despite my efforts to rectify this issue through multiple interactions with your customer service representatives, my case has been prematurely closed with assurances that the check had cleared. Attached to this communication are documents, including the returned check and correspondence from the bank, verifying that the check was indeed rejected. 

Furthermore, I was provided with incorrect email addresses to submit my documents, adding to the challenges in resolving this matter. I have meticulously documented all communication with your company, including details of the misinformation provided. 

Enclosed with this letter, you will find proof of priority mail submission of these documents, demonstrating my exhaustive efforts to seek resolution. This serves as my final attempt to resolve this matter amicably before pursuing legal action against AMEX SERVE in small claims court. 

I trust that this issue can be promptly addressed to avoid further escalation. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed item and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 


XXXXXXXX XXXX XXXX  XXXX ....
Product: Credit reporting or other personal consumer reports

I have never gave these consumer reporting agencies ANY consent to report this information on my consumer report. No consent means identity theft. I demand that they promptly delete these items pursuant to 15 USC 1681c-2. If this item is not deleted then these agencies would be committing aggravated identity theft pursuant to 18 USC 1028A.
Product: Mortgage

HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. 
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. 
Thanks, XXXX XXXX XXXXXXXXXXXX
Product: Prepaid card

I have now left at least 5 emails with questions needing a reply. I feel like this is old times back during COVID. There was always something new happening from day to day. Today XXXX delivered a huge box of paperwork. I have no intentions of going through that mess. I have the questions that still need to be replied to. 

I dont care what anyone says there But you are all covering up something. First off when I am sent anything by your bank it comes XXXX XXXX XXXX sign on delivery and not a single letter arrived from you from the day I sent my police report in XX/XX/XXXX The next time I heard from you again was when the two claims came back and then there were three and now thee are 11 brand new ones 1.Who authorized the claims to be opened from XXXX XXXX XXXX XXXX  were opened. 
2 Why am I still locked out of online banking with an error message saying wrong XXXX XXXX XXXXXXXX Who is in my account?? 
XXXX. XX/XX/XXXX I was emailed a copy of transactions many of them were double some were triple and some up to five debits on a single transaction I need that explained to me. 
XXXX. XX/XX/XXXX The very same copy of transactions arrived XX/XX/XXXX XXXX sent it the XXXX pages. Why is her copy dated after mine and missing all the double debits triple debits?? Where did they go? Is it legal to change a bank document like this just go and erase transactions? 
6. I spent most of the weekend trying to find what I could from 4 years ago and This is all the same items you already have that has gone missing since the second or third week in XXXX. So where did my items go? 
7.The police report?

8. The original card from the XXXX XXXX XXXX. 
9 FTC affidavit I have sent you a few things so you can rule this fraud. You should have done it long ago. 

So I need direct answers to the above questions please
Product: Credit card or prepaid card

My credit score has been the same with little variation since I opened this account ( called XXXX XXXX with Synchrony Bank to use at the vet and various doctor 's offices for health care services ). On XX/XX/2021 I paid the balance in full ( vs only the minimum payment due XXXX XXXX, 2021 ). On XX/XX/XXXX XXXX per my phone discussion with customer service tonight XX/XX/2021 ) they closed my account because of a change in my credit score. As previously mentioned, it has only varied by a few pts up and down for the past year. I didn't miss a payment with them ( or any agency I believe ), in fact I paid the account off early. I didn't receive the letter they claimed they sent. I found this out because I checked my online account today to make sure my payment was applied and I could have the full line of credit to use for a vet appointment tomorrow for my very ill cat only to find the account is closed for no reason. This is deceptive and discriminatory. Who closes an account that is NOT delinquent for being paid in full?!? Please look into this company 's practices. They are not operating in good faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX violated Section e ( 10 ) of the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. '' attempting to collect a debt falsely represented that XXXX XXXX XXXX had a legal right to collect the debt XXXX XXXX XXXX is required to have a license under the New Jersey Consumer Finance Licensing Act, XXXX. XXXX et seq. ( XXXX ) to pursue collection, XXXX XXXX XXXX is a unregistered in the state of New Jersey and unbonded in the state of New Jersey.And is registered under XXXX ID : XXXX in the state and city of XXXXXXXX XXXX XXXX Branches : CA, XXXX, KS, NC, XXXX, TN, TX, VA
Product: Debt collection

Over the past month, I have received repeated phone calls, multiple times a day, from diversity consultants, stating they are calling on behalf of XXXX.when asked regarding the nature of their call, they refused to give me an answer, and continue to ask me for personal identifying information. they then hang up on me when I continue to inquire to the nature of their communications. I then get calls back from them multiple times a day, while I am at work, and on the device I use for work. I have not received any written communication from them or comcast regarding any dispute, and feel that their level of communication has risen to the degree of harassment.
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 : DEPT OF ED 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.