23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX XXXX installed at my house. The tech that came to install said I would not have a problem even with the trees that were in my front yard. He installed the satellite on my front porch roof right where the tree is. He ran the box in my living room and didnt have enough wire to run it to my TV and just left it hooked up in the middle of my living room floor. From the time it was installed, it kept saying requiring satellite signal please wait a moment. I set up about 5 or 6 tech appointments to get it fixed ( which out of 2 appointments they never showed up and I missed work ) but it still never worked. All this time, I was paying the monthly charge. At this point, I was so frustrated, I told them that I was done missing work for them to come out and do nothing getting it to work right and I told them to come and pick up their equipment. I set up an appointment and they came and picked it up. Now they are trying to get me to pay a {$530.00} early termination fee. I called multiple times to XXXX XXXX and finally someone in billing said it was taken off my account. Then I see on my credit report that Credence Resource Management was sending me a bill for that amount and called them. I explained to them the issues I had with XXXX XXXX and they said that I still owed the money. At this point I was fed up. I called XXXX XXXX multiple times again and they notated my account each time I called and so did Credence Resource Managment. Neither one of those companies will see a dime from me. I paid for service for 4-5 months with no service.
Product: Debt collection

This bill is from XX/XX/2019 from XXXX. This bill was reprocessed and paid. I have had XXXX XXXX XXXX XXXX for 14 years. I have a XXXX through my job at the XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX and they have assured me that this bill has been paid. It is know showing up on my credit report. Please update your files and take this bill off my credit report and out of your system.
Product: Debt collection

I reached out to EOS CCA after receiving a settlement letter claiming if I made arrangements to pay my debt in full they would remove the collection from all three of the credit bureaus. My initial conversation was in XX/XX/2022. Monthly payments were then made XXXX to XX/XX/2022. I sent a letter after 45 days requesting the collection be removed from the bureaus and nothing has been done. I requested that they listen to the taped recordings where I was told this would happen. I was told they would and to call XXXX in a few days where a supervisor would assist. I have been in a customer service and supervisor loop ever since. Collection agencies can't make promises to customers and then not adhere to them. If I hadn't kept my word and made all payments there would be some legal recourse. These rules should be the same for them. All I want is for them to remove it from my credit reports immediately.
Product: Mortgage

Wells Fargo Bank Loan # XXXX CA Mortgage Relief XXXX Approved in XX/XX/XXXX Around {$14000.00} Paid directly to Wells Fargo Bank CA Mortgage Relief current application XXXX I am respectfully requesting your kind assistance for my home loan modification with Wells Fargo Bank. I applied for the home loan modification in XX/XX/XXXX and have submitted all the required documents as requested. On XX/XX/XXXX, Wells Fargo Bank sent a " DENIAL '' letter stating they will not process this request because I filed a Federal Complaint with the Consumer Financing Protection Bureau. California Mortgage Relief XXXX paid approximately {$14000.00} around XX/XX/XXXX that was paid directly to Wells Fargo Bank XXXX I applied for a new claim to California Mortgage Relief XXXX on XXXX XXXX. 

I am a XXXX XXXX in XXXX XXXX, XXXX  and work tirelessly days and nights to provide income. Safety is a major concern. I am taking care of my XXXX XXXX XXXX XXXX daughter and my XXXX XXXX XXXX daughter.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS INC also known as The Guarantors reported to XXXX and XXXX inaccurate information about an account that does not belong to me which has been causing me a hardship and stopping me from passing rental screenings. They began reporting in XXXX of XXXX  months before the XXXX XXXX XXXX  allowed them to report to any credit agencies. They claimed that I owed rent for an apartment I never dwelled in and also listed it as a joint account. They claim I owe {$17000.00} which is false. I have submitted an identity theft report with the said companies listed. This account was placed on my XXXX and XXXX reports. XXXX has removed the falsely reported account but XXXX will not remove it from some reason.
Product: Credit card or prepaid card

I filed a dispute with Avant via usps mail for the erroneous purchases. Avant- replied that they did not know which purchases I was disputing even though I included a copy of the statement with the purchases circled. 

I filed the same dispute to an email address provided by avant. Avant replied that I should call them. 

Upon calling avant I was transferred to XXXX who could not assist further with the dispute.
Product: Debt collection

PMAB is a collection agency for XXXX XXXX XXXX XXXX. This was filed on bankruptcy and yet it is still on my credit report. They have copies of my discharge date but still are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with   XXXX   XXXX   and  XXXX . I have sent a tota l of six ce rtified disputes letter to all   XXXX    Credit Reporting a gencies since  XX/XX/17   . In the dispute letter I was  requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required   to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me.  XXXX  of the accounts have been paid in full. There is also  XXXX  accounts on my report from the original creditor and they have been sent to a collection agency. So all  XXXX   Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took this loan in a desperate situation to pay my rent in order to prevent eviction and being homeless. I didn't realize they would be charging me 753.81 % interest and taking {$320.00} out of my bank account every other week. This is financially crippling me. They are taking advantage of people in desperate situations and making their situations even worse. Because of this company I may be forced into bankruptcy.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns regarding several issues I've encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, errors in credit reporting, billing discrepancies, and accounts that do not belong to me. 

I am seeking assistance to resolve these problems to ensure my financial security.
Product: Credit card or prepaid card

I filed a dispute about my card being compromised and my account was depleted in the amount of {$200.00} Chime opened up an Investigation back in XX/XX/XXXX of year of XXXX I was told the issue will be resolved by XX/XX/XXXX however it is XX/XX/2022 Ive called several times and they have not resolved the issue I filed a police report submitted documents and still havent got a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. XXXX is a private company owned by XXXX XXXX XXXX XXXX. ) XXXX, XXXX/TRANSUNION are not Bureau 's and are only agencies of the BUREAU. 

When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX/TRANSUNION continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : XXXX XXXX XXXX # XXXX I humbly DEMAND that ALL AGENCIES aforementioned REMOVE all info pertaining to ALL ACCOUNTS connected to the " Authorized Agents Birth rights and Social Security number assigned to him listed above. OR REDEEM MY NOTES FOR GOLD & SILVER COINS... Please and thank You!
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX would like to formally express my concerns regarding XXXX 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 was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have reach out to XXXX XXXX XXXX several times to found out who is the original debt collector and why after 9 years do they keep falsify the age of this debt. in the amount of {$990.00} spoke to the in 2018 on removal of this debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX credit report and found unauthorized inquiries. 

I am submitting this report and will be sending the dispute below to the XXXX XXXX XXXX Assistance Department. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : NAVY FCU 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: Debt collection

We owed {$7900.00} to XXXX XXXX XXXX- the collections agency, XXXX and XXXXXXXX XXXX Chase. We paid the debt but Chase processed the levy anyway. They have received fax notification from the attornies and the sheriff that the debt is paid. They kept " rejecting '' the faxes for " not being in the right format. '' They have received the info daily since XXXX. Now they say they have all they need and it has been " expedited '' but will still take XXXX business days to resolve. We have been without funds since XXXX for a debt that was already paid. We finally found a sympathetic ear at our branch and she is doing what she can but she has to jump through the same hoops we do. Not even a Chase employee can navigate the " black box '' that is the legal and levy dept. This morning I received a call from this " expedited dept '' telling me it is all in process and gave me a " direct phone number '' that I can call but it is the same number I've been calling for almost two weeks - not a direct number at all. Plus the phone number the expedited dept gave me to reach them is just a general number for Chase. 
Word to the wise : Chase bank is a great bank to bank with until you need their help. Then, good luck. They are structured to keep you away from anyone who can help.
Product: Student loan

My loan is held by Mohela. Unfortunately, filing complaints is the only way I can get any information from them. I recently sent a message via the website. It took over 1 month for them to reply. I am now waiting on hold for 30 minutes, and when someone picked up, she had to transfer me to someone else. I'm on hold again! I have never been able to get through to anyone at Mohela. 

I have questions about my loans. I think they miscalculated my progress toward PSLF loan repayment, but I can not get through to anyone to talk about this. I think I am at 117 qualifying payments according to counting the payment tracker on the Mohela website. However, their website has me at 101 qualifying payments. We need to talk about this. 

Getting messages 1 month after I send a question is unacceptable. No one in their right mind would ever accept working with a company who routinely demonstrates such bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX XXXX XXXX, Violated Regulation E and Wrongfully Reported Me to ChexSystems, Consumer ID : XXXX To Whom It May Concern : I, XXXX XXXX submitted two complaints to the Consumer Financial Protection Bureau on XX/XX/2020. Both complaints were in reference to, XXXX XXXX XXXX wrongfully, falsely and illegally submitting my personal information to ChexSystems. Furthermore, submitting inaccurate statements and claims to ChexSystems referring to suspected fraudulent account activity. The Consumer Financial Protection Bureau complaint number, against XXXX XXXX XXXX is XXXX. The Consumer Financial Protection Bureau complaint number, against ChexSystems is XXXX. 
Both Organizations have submitted their response to my complaints ; which is included within this letter for review. However, my consumer complaint has not been resolved and Im taking additional action to reach a resolution. 

XXXX XXXX XXXX did not provide any material or real evidence to support their claims and wrongful submission to ChexSystems. Nor, did XXXX XXXX XXXX provide any material or substantial evidence to support, they conducted an investigation, in accordance with Federal Regulation E. When a consumer disputes an electronic transactions. The Financial Institution has a legal obligation to conduct an investigation. Furthermore, the Financial Institution has a legal obligation to provide a dispute number,  provide provisional credit if applicable, send a written letter within 10 days of the complaint, has up to 90 days to complete an investigation and must provide a final letter of resolution, to the consumer. 

XXXX XXXX XXXX, violated Regulation E by not conducting an investigation. Even though, I verbally requested one, within their branch located at XXXX XXXX XXXX, XXXX MD XXXX. They did not provide a dispute number or claim number. They did not send a written letter of confirmation referencing my dispute. They did not send me a final letter of resolution referencing the outcome of the investigation. XXXX XXXX XXXX illegally took matters into their own hands, violated Federal Regulation E and violated my Constitutional Rights. 

According to United States Federal Law, any and all Institutions found in violation of Federal Regulation E. May result in liability for the actual damages sustained by the consumer, statutory damages of {$100.00} {$1000.00}, class action damages in the lesser of {$500000.00} or 1 % of net worth, as well as reasonable attorneys fees and costs as determined by the court. See 15 U.S.C. 1693m (  a ). In addition, there is also a criminal liability component of Regulation E for knowingly providing false or inaccurate information or otherwise failing to comply with Regulation E. 


I, XXXX XXXX is requesting my personal information, illegal submitted by XXXX XXXX XXXX to ChexSystems be nullified. In addition, Im requesting XXXX XXXX XXXX provide evidence to all State and Federal Agencies listed within this letter. Showing an investigation was conducted in accordance with Federal Regulation E.
Product: Credit reporting or other personal consumer reports

I opened checking account on XX/XX/XXXX with XXXX XXXX and kept a stellar account history with them. I retrieved my EWS report only to find that on XX/XX/XXXX XXXX XXXX reported that I overdrew account. That is false and defamatory and I request they investigate to correct their error and remove this information. I would need to see proof of a bank statement showing the amount overdrawn otherwise remove this info from my report.
Product: Credit card

On XX/XX/XXXX I opened a new credit card account ( ending in XXXX ) with Sears Citi Credit card. The reason for opening the account was essentially taking advantage of special promotional offer of 0 % interest for 18 months. My opening balance was {$4600.00}, which was the purchase amount of refrigerator, washer and dryer. At the time of opening I was only told that i can carry a balance for interest free for 18 months from XX/XX/XXXX to XX/XX/XXXX. I would like to stress the point that I was not given a chance to read through the contract as it was all shown on a small screen/ credit card swipe machine. Now from what was conveyed to me verbally, I or any reasonable person would infer the you can hold a balance of any amount upto the credit limit for a duration of 18 months interest free. Relying on this information I used this credit card to made more purchases which brought up my balance to roughly {$6000.00}. Now i was expecting that i can carry this amount interest free till XX/XX/XXXX however sometimes later Sears credit card started charging me interest of the amount greater than the opening balance of {$4600.00}. What i felt was that i 've been con as well as being given wrong information about my credit card interest fee/charges and made a material difference in decision making. If i knew that only the opening amount/balance is interest free and not any amount exceeding it then i would n't have used this card to make purchases and should have used my other credit cards to balance the expenses interest free. This make me think that if i was a victim of this wicked trickiness then there must be many who fell for the same cheating promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB against XXXX XXXX XXXX and OCWEN regarding a bait-and-switch situation during the closing of my mortgage. They baited me by assuring me during closing that I could at any time cancel my escrow account because I put 20 % down for the purchase. OCWEN switched by refusing to cancel my escrow when I asked them and they switched from 20 % to 25 %. This was not part of the original agreement in written and VERBAL form. After I filed the above complaint with CFPB, OCWEN retaliated against me by inserting a bogus note into my credit report. Their note ( which they admitted to in my telephone conversation with OCWEN ) showed up as an Alert to the Underwriter on a new loan that I am currently trying to obtain. Their negative comment on my report probably also affected my credit score by lowering it some 10-20 points. My credit report had been consistently above XXXX over the past couple of years.