23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In previous complaints I have addressed the inconsistency in BSI 's failure in posting timely documents for me to pay my loan. Due to the status of my loan, I am diligently trying to make attempts to resolve my account without paying the ridiculous {$3200.00} 6 month payment plan designed to take my home. In addition, the investors would be holding money earning interest on XXXX monthly. I am not giving them the satisfaction. 

In XX/XX/2021, the manager, whom I spoke with on the phone XXXX XXXX, was somewhat hostile in her tone. While I kept it professional, I really wanted to her off. The only thing she did do was finally assign me to another loss mitigator. When I asked about getting statements posted timely, I was told that was a customer service issue and she could not do anything about it. This is on recorded conversation if you don't believe me. 

Secondly, I am continually getting fees and charges that are being added to my account with no explanation and not receiving any documentation in the mail. They charge whatever they feel like. This has to stop and is illegal. As a customer, I have the right to know what is being charged. I should not have to call customer service to find out what the charge is. 

I have attached my exhibit.
Product: Money transfer, virtual currency, or money service

Helbing Law Group is debiting my bank account {$250.00} monthly. 

i have called customer service 3 times in 30 days requesting email documentation of progress in negociating my 4 credit cards. No results XX/XX/XXXX and XXXX spoke with XXXX in customer service. 

XX/XX/XXXX spoke with XXXX XXXX  in customer service she disconnected call. 

I emailed Helbing Law group XX/XX/XXXX requesting current status of account. NO responce, Helbing law group deducts {$250.00} monthly from my bank account. I requested on XX/XX/XXXX to not debit my account again until i receive updated information. I received call today and was confirmed from their customer service that they will debit my account or I can't participate in program. 
i asked for XXXX accounting of how much money they have in escow. No response. 

I am told they are working for best seetlement percentage. NO PROOF of any work being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting SPAM marketing from Equifax. I went onto their website to put a freeze on my information and since then, these megalomaniacs keep sending me SPAM. I went to the Equifax website and there is NO WAY TO OPT OUT OF MARKETING on their site. Instead, they have a " toll free '' ( who pays for long distance in 2020? ) number to call that is the general number for EVERYONE who is having a trouble with these money-grubbing XXXX. And guess what? NO ONE EVER ANSWERS THE XXXX PHONE. They are using my email address inappropriately. I have a right to NOT receive their marketing XXXX. They SHOULDN'T ( a moral imperative ) require me to sort through their XXXX because I want certain alerts. And they make it so hard to stop, it's not reasonable. They are using computers to harass me daily with spam, yet I can't use my computer after logging into their site to STOP THEM. It's unfair, unreasonable, and in California, it's illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

OCWEN LOAN Acct # XXXX Ocwen Loan Servicing is reporting inaccurate and damaging information to XXXX. The above account appears on my credit report but I do not have that mortgage. We spoke with XXXX onXX/XX/XXXXand sent a letter for investigation, We spoke with XXXX onXX/XX/XXXX and sent a letter for investigation. Letters were sent to the research department the research department in XXXX and XXXX but there was no response. The item must be removed from my credit report.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : XXXX RE : XXXX # XXXX Alleged XXXX XXXX FRAUDULENT DEBT TO : JEFFERSON CAPITAL SYSTEMS LLC : Under the provisions of [ Public laws XXXX XXXX XXXX and XXXX XXXX XXXX ], known collectively as the Fair Debt Collection Practices Act ( FDCPA ). I am formally notifying you to Cease and Desist all communications with me regarding this alleged debt, or any other alleged debts that you allege I owe to your de XXXX XXXX. 

RE : FRAUDULENT DTE ACCOUNT # XXXX RE : JEFFERSON CAPTIAL SYSTEMS XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was speaking to a loan officer from City First Mortgage Services , LLC about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you
Product: Debt collection

On XX/XX/2023, my XXXX XXXX was charged for the XXXX XXXX toll but I was sent a collection notice for a toll that had already been paid. I submitted copies of the payment statement and they refused to remove the collection, and stated that I was still responsible even though it was paid.
Product: Credit reporting

Transunion has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act, XXXX account # XXXX/ XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Payday loan, title loan, or personal loan

I fell behind on my loan and it was charged off. I contacted the company and got current with my payments, I was told since the loan was charged off I would no longer have any interest charges. A few months later I started to notice fees being attached to my monthly amount due. I called the company to inquire I was told it was a late fee so paid it, the following month the fee appeared again on my bill, I called right away but was told that I was now. Being charged interest and the will be on each bill even when paid on time. This is simply not fear but I continue to pay the fee to avoid adverse affects to my credit but it is still negatively affecting my score.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 15 USC 1681i ( A ) ( 5 ) ( A ) ( I ) & 15 USC 1692G ( B ) ( A ) ( XXXX ) ( A ). Remove this account immediately. XXXX XXXX XXXXXXXX
Product: Debt collection

I contacted portfolio recovery during the month of XX/XX/XXXX to cancel my payments. They sent a letter saying that I agreed to make payments.. they also increased my balance to by 300+ dollars and Im currently disputing this incident to ally. Please do some things about this disgusting company.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

My name is XXXX XXXX. My US federal income tax refund check was set to be directly deposited into my bank account at XXXX in XXXX, Illinois. The amount of the check was {$1100.00}. Unfortunately, my account at XXXX had recently been closed due to fraudulent activity that I had experienced. After that, I chose to not reopen another account at XXXX. But since I knew that my federal income tax refund check was coming directly to XXXX, I asked XXXX if they needed my new address since I had moved after my recent divorce. At that time, XXXX advised me that they would not be forwarding the check to my new address because their bank policy was to return any non-deposited federal income tax checks back to the IRS. Unfortunately, XXXX did not do as they said they would. Instead, when XXXX received my direct-deposit federal tax refund check, they apparently took it upon themselves to cash the check and mail me a bank check directly to my last known address. When doing so, XXXX did not notify me of these transactions so they did not know that I no longer resided at my last known address they had on file. So the check was erroneously mailed to my ex-husband 's home. My ex-husband 's name is XXXX XXXX and he resides at XXXX XXXX XXXX, XXXX, IL XXXX. Without my knowledge or permission, my ex-husband illegally proceeded to take my tax refund check to his own bank in order to cash it for his own personal gain. Unfortunately, he succeeded in illegally cashing my check on XX/XX/2017, by signing only his name to the back of the check, even though my name was clearly stated as the sole payee on the check. The bank at which my ex-husband executed this transaction is U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Today, my attempts to resolve this matter with personnel at U.S. Bank have been completely fruitless, even though they did admit they should never have cashed this check. Instead, they are attempting to place the blame on my bank, XX/XX/XXXX, for erroneously mailing the check to the wrong address. Currently, I am in the process of filing criminal charges with the XXXX Police Department against my ex-husband for his theft of my money. He 's clearly a dishonest person, and I think it is highly unlikely that I will ever get my money back from him. Nevertheless, I firmly believe that U.S. Bank is primarily at fault for allowing my ex-husband to cash my tax refund check without having my signature on it, and without his name even being on the check as a payee. It is my hope that U.S. Bank would reimburse me in full for their error, and then they can worry about pursuing my ex-husband for his criminal deceit. Thank you in advance for your assistance in this matter.
Product: Debt collection

I am filing this case with the Consumer Financial Protection Bureau ( CFPB ) to address XXXX XXXX XXXX XXXX attempt to collect on a debt that I believe is being reported unlawfully. In XXXX I began disputing XXXX XXXX report of late payments and a charge-off on my consumer report after discovering legal requirements regarding when a payment can be legally considered late. Specifically, I have requested proof that XXXX XXXX mailed or delivered disclosures in compliance with 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date, as outlined in 15 U.S.C. 1666 ( b ). Without this documentation, no payment should be classified as late. 

Despite my multiple requests, XXXX XXXX has not provided any tracking information or evidence of delivery for these disclosures. Instead, they transferred my case to an attorney, Silverman Theologu, for debt collection, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e and 15 U.S.C. 1692i. I received communication from this attorneys office that I did not request, which has further delayed resolution. 

Its important to note that I do not recall receiving any prior communication regarding this debt collection attempt. Under FDCPA 15 U.S.C. 1692a ( 3 ), I am a consumer with a place of abode rather than a traditional residence. Thus, if XXXX XXXX sent anything to an address on file, I did not receive it. 

I am attaching my original requests to XXXX XXXX, additional supporting documentation, and a self-executing contract designed to activate should XXXX XXXX continue withholding the information necessary to validate their claims. I respectfully request the CFPBs assistance in obtaining this proof, as XXXX XXXX lack of compliance constitutes a violation of multiple laws, including 15 U.S.C. 1681n, 1681o, and Titles 18 U.S.C. 1001 and 1006.

This unresolved issue has directly impacted my ability to obtain credit and represents a serious financial setback. I respectfully ask for the CFPBs intervention to resolve this matter as soon as possible. Thank you for your assistance in ensuring adherence to consumer protection laws.
Product: Debt collection

In XX/XX/2020 my rental car was broken into & my personal belongings were stolen along with purse. In my purse was my social security card, my veteran ID, my drivers license, & my passport. 

Accounts were opened in my name in XXXX  that I did not authorize & now its reflective on my credit report.
Product: Credit reporting or other personal consumer reports

Re : Demand for Immediate Deletion of Student Loans Due to XXXX XXXX XXXX  Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the XXXX XXXX XXXX XXXX This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the XXXX XXXX XXXX 

Accounts in Dispute : XXXX  XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

# # # Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.
Product: Mortgage

Dear CFPB, I am writing to formally lodge a complaint regarding my recent refinancing experience with XXXX XXXX XXXX, which has been severely impacted by issues stemming from my previous servicer, Freedom Mortgage. 

During the refinancing process, XXXX XXXX XXXX attempted to obtain a payoff statement from Freedom Mortgage. Unfortunately, the information provided was inaccurate and delayed, leading to substantial complications in my refinancing efforts. This delay not only prolonged the process but also caused me significant stress and uncertainty regarding my financial obligations. 

Despite my efforts to resolve this matter directly with Freedom Mortgage, I have encountered unresponsiveness and a lack of clear communication about the status of the payoff. This has resulted in unnecessary fees and a longer wait time for my refinance to be completed. While it closed Freedom stated several times after that they made a mistake and sent XXXX XXXX XXXX an internal payoff with a netted escrow instead of a payoff where I received my escrow refunded. I am under the impression that the escrow account with the lender is my money and should not have been netted to a 3rd party Lender. 

I believe that this situation warrants your attention, as it raises concerns about the practices of Freedom Mortgage and their impact on consumers like myself. I kindly request your assistance in addressing this matter and ensuring that proper measures are taken to prevent similar issues from affecting others in the future. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 XXXX XXXX inquiry date : XX/XX/2023 XXXX XXXX inquiry date : XX/XX/2023 XXXX inquiry date : XX/XX/2023 2023
Product: Credit card

Dear PayPal, I requested the closure of my account ending in XXXX, due to charges from XXXX. I did not have access to another account ending in XXXX except that you charged it with the fraudulent XXXX bill. As my financial service provider, you have failed in your responsibility by siding with XXXX in the dispute regarding this unauthorized charge. Did XXXX provide you with dates of alleged participation and benefits from the purchase? Did they share email correspondence where I clearly stated my lack of awareness of the charge and my request for an immediate refund upon registration? Your reasons for denying my dispute are unreasonable. Why did you bill {$170.00} to my account on behalf of XXXX when I did not subscribe to their service? Did you thoroughly review my documents? Here is a summary of my situation : Question : Did I register on XXXX after seeing an ad? My response : Yes. Question : Was my card information requested during registration? My response : Yes. Question : Did I see any notice about a subscription charge ( why was the notice hidden? )? My response : No. Question : Was I shocked upon seeing the charge and what steps did I take? My response : I was shocked, contacted XXXX but received no response for XXXX hours. I immediately notified PayPal, who stated no dispute could be opened until the charge appeared on my account. XXXX promised a response within XXXX hours but took XXXX hours. I used the site for less than XXXX hours while waiting for their response. Upon XXXX refusal to refund me based on a dubious law, I provided them with a Colorado address with proof, yet they still refused to process my refund. My total use of XXXX service did not exceed XXXX hours, within their cancellation policy period, which was when I was expecting their response. The truth is, I was charged for a six-month subscription without my knowledge or consent within XXXX minutes of registration. My request for cancellation within their stated XXXX refund policy was ignored. Your claim that I benefited from the purchase is baseless and insulting, without providing the dates of such alleged participation. I have sent you documents where XXXX acknowledged my address change to Colorado but still refused the refund. Your cooperation with XXXX in this fraudulent activity is alarming. I demand a refund either to my New Jersey or Colorado address. The six-month charge is unjustifiable for my limited use of XXXX hours. Your decision to close the dispute without recovering the fraudulent charge is unacceptable. This experience has been extremely difficult to resolve and reflects poorly on your service 's integrity.