23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Mortgage is handle by Seterus Inc. On XXXX 2014 I was granted a chapter XXXX bankruptcy by the court, the mortgage was not included on the bankruptcy, I never missed a payment and I kept paying the mortgage for all the past 10 months, I spoke with Seterus on tow occasions and ask them to please keep sending the monthly statement and they refuse to do so, also need to get access to my account online, I send a certified letter ( see attached ) and they refuse to keep me inform about my mortgage status, so please help me solve this situation, Seterus in a very arrogant way refuses to send the monthly statements and I do n't know what else to do, they even at first refuse to talk to me on the phone and I stated that I understand that the original lien is still accepted by me. 
Thank you in advanceXXXX XXXX XXXX
Product: Student loan

XXXX keeps sending me statements for a balance owed. However, I repeatedly told them that I don't owe any money. All my term bills to XXXX were fully paid for in cash. 

Additionally, I can't even find the account mentioned in the letter on my online account. 

Also in regards to 2022, any classes taken even part time were paid for by a graduate assistantship. It was fully funded by the University. 

I am attaching all relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid several accounts on my credit reports off they refuse to remove them. Some are listed more than once
Product: Student loan

I submitted a complaint ( ID XXXX ) on XX/XX/year> to Navient Solutions about my private loans being invalid due to proven evidence that my school was guilty of illegal practices. Also, that Navient and its predecessor, Sallie Mae, failed me as a borrower at every step of repayment. I am resubmitting a complaint as to the manner in which I received a response and only received a School Misconduct Discharge application by mail, which stated on the cover that I'd requested it when in fact I had not requested it. However, after months of assembling all of the same legal documents and facts that are already public information about XXXX XXXX XXXX XXXX and its parent company XXXX, I was able to complete the application and submit it. ( 2 ) Two copies, one via email and one via mail, were submitted to Navient. 
I would like this to be on record with CFPB, as it is difficult for me to trust a lender that has already committed misconduct against me and is in connection with for-profit, predatory schools that are permanently closed and no longer accredited.
Product: Credit reporting or other personal consumer reports

I recently just submitted a complaint regrading experian reinserting fraudulent information back on my credit report. That complaint is still ongoing. I checked my credit today and noticed that another account and address that was blocked and deleted has been placed back on my credit again. I called today XX/XX/year> at XXXX and waited on hold until XXXX pm the representative came on the line and told me that the creditor is unblocking my account. I replied that I have submitted all documents at the least 15 times. I have spoken with the creditor which they stated they dont own that account anymore and sold it to a bill collector. I spoke with the bill collector via the CFPB and they stated they closed this case due to fraud. She placed me on hold for about 10 mins and proceeded to disconnect the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX XXXX XXXX but I know nothing about this debt and have never done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, my student loans with XXXX XXXX were transferred to XXXX pursuant XXXX contract termination with the federal government for student loans. When XXXX transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, XXXX reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way XXXX reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because XXXX is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.
Product: Debt collection

Since XXXX The child support collection agency has been illegally taking money from me pay check. I have filed numerous motions in court and also sent the agency notarized letters requesting proof of this debt. so far the child support agency has taken XXXX dollars from me and have no proving that I owe them any money. I have visited there office and they basically didn't want to help me. This agency is a fraud they are using the social security number that I have been authorized to use and I have never giving them permission to use it. In fact they continue to track my work by use of this number which is a felony. they are reporting to the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a few fraudulent accounts open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2018, I made a Bitcoin ( BTC ) transaction from my XXXX account to my Coinbase.com account. It was for a total of XXXX BTC. 

Apparently the transaction was " successful ''. However, it is now sitting in my Coinbase account as " Pending ''. So it has not cleared my account. In other words, I do not have access to this BTC, nor can I trade it, etc. If the transaction is 100 % successful, it would say " Completed '', and I would have access to this BTC.

Coinbase advertises that they will take no longer than 72 hours for a transaction. This has now taken over 16 days.

I have now sent 7 emails with details and screenshots to both  XXXX and Coinbase and asked them to respond and resolve the issue. I have received no responses.
Product: Debt collection

CONVERGENT OUTSOURCING KEEPS CALLING MY CELL FOR XXXX XXXX XXXX, I HAVE RECORDINGS AND ALL RECORDS TO FILE SUIT.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). 
Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

All moneys reported to be returned. I am filling w complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, Which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Futhrermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

People 's United Bank replied to previous complaint. Part of the complaint was not addressed. The Specific part not addressed is whether or not XXXX XXXX is really an officer of the company People 's United Bank. XXXX XXXX calls from a spoofed and or NON WORKING phone number, why? A person with such a title SHOULD be reachable! 

XXXX XXXX 's response makes me doubt even more that he really is not who he says he is. This was proved by the response on what looks to be a home made version of People 's United Bank letterhead. Did you notice there is NO address of their corporate office, and no phone numbers. Also there is no proof that anyone from People 's United Bank actually approved or knows of it's existence. A document that addresses such a sensitive matter should have been notarized, which it was not. As mentioned in my previous complaint, this person could work in the mail room or be a friend of someone at the bank playing the part. 

So .... 

If XXXX XXXX is " truly and officer representing People 's United Bank, then why did he not USE OFFICIAL LETTERHEAD with an address and a phone number, and have the document notarized so that is is no doubt ''? 

People 's United Bank has been 100 % dishonest by NOT DISCLOSING the fact that they had a data breach to those customers THAT WERE PURCHASED from the XXXX XXXX  purchase and merger. Staff in the XXXX office actually CLAIMED it never happened when I first approached. 

In this time where 99 % of all phone calls people receive are scammers, and cheaters, this reply should go right to the top of the pile with a note that says " this doesn't seem like a real bank officer wrote this ''
Product: Checking or savings account

I have a credit card with XXXX, opened 6 months ago. According to XXXX, Bank of America, which is my personal bank, has been stopping and returning my payments to them, even though I have ample funds to pay my scheduled payments. On XX/XX/2019, a scheduled auto pay of {$25.00} to XXXX was returned by B of A unpaid. On XX/XX/2019, a payment I sent of {$54.00} was returned unpaid XX/XX/2019. A scheduled payment on XX/XX/2019 was cancelled by the Bank of America. XXXX has closed my account, and I can no longer use the credit card. 
I called Bank of America on XX/XX/2019, and spoke with XXXX in Texas at XXXX XXXX. I was transferred to XXXX in bill pay. XXXX called XXXX, and promised Bank of America would write to XXXX explaining B of A 's continual errors had caused my problem. During this call I spoke with XXXX at XXXX XXXX ( same phone call ) and she told me I would be receiving a copy of the letter to be sent to XXXX to solve the problem. This woman had me spell out and confirm my email address repeatedly, even though I have been receiving email from the Bank of America at that email address for years. No letter was sent to me. 
I called Bank of America at XXXX XXXX on XX/XX/2019 to check why nothing had been done. I spoke with XXXX, who transferred me to XXXX, who helped me initiate a conference call to XXXX.XXXX from XXXX ( id # XXXX ) and I spoke as of XXXX XXXX. We were transferred to XXXX at XXXX ( ( id # XXXX ). XXXX took a credit report from me to see if she could restore my card. The system has locked my account down and could not be reopened. XXXX would not speak with Bank of America and myself on the phone at the same time. 
I wrote a letter asking for help from XXXX Executive Branch. XXXX ( sp? ) from the Executive Branch of XXXX called me to tell me a letter needs to be written from Bank of America, on their letterhead, to XXXX, XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. XXXX 's phone number is XXXX XXXX. She called me Friday, XX/XX/2019. The letter needs to indicate that bank error has caused my unpaid payments. I spoke with XXXX in West Virginia at Bank of America on XX/XX/2019, XXXX, and requested a supervisor. I was advised the supervisor would call me back as soon as 15 minutes later. No call was ever received by me from anyone at Bank of America since then.
Product: Money transfer, virtual currency, or money service

This is to update my statement for XXXX After reading my statement for XXXX I realized that I was highly upset when i wrote it and that it was Incomprehensible. I couldnt even understand it. Lol On XX/XX/2024 I Used Remitly to make a transfer to pay for a service in the XXXX XXXX At XXXX XXXX  XXXX I requested to transfer {$200.00} to her bank account in XXXX. We saw the notice that it could take XXXX days to deposit to her account. We both realized that was unacceptable. I read on the receipt You can cancel for a full refund anytime unless the funds have been picked up or deposited, but i couldnt find a cancel button. 
So around XXXX XXXX XXXX XXXX after making the transfer request, I called the XXXX number to cancel. The agent put me on hold while he checked to see if he could cancel it. 
When he returned on the phone he said that he could cancel the transaction, & told me to allow up to XXXX XXXX for funds to be back in my account. 
I still needed to pay her & not until I thought the bank deposit transaction was canceled, I submitted a new transfer request at XXXX for {$200.00}. Only this time it was to be sent through XXXX XXXX for cash pick up. The receipt said it would be ready for pick up at XXXX ( That transaction is correct and not in dispute. 

Then on XXXX XXXX I noticed the bank transfer didnt look like it was canceled. I called and was told it had not been canceled because at the time I tried to cancel, the money was on its way and it could not be canceled at that point. That the agent was wrong for telling me he could cancel the transaction. When I spoke to the manager I was told the same. Because the money was on its way, it couldnt be canceled. I showed them the consumer rights statement on my receipt that reads You can cancel for a full refund anytime unless the funds have been picked up or deposited. Neither of these things had happened at the time I called to cancel. 
The receipt shows I made the transaction at XXXX and the money wasnt deposited in her account until XXXX. XXXX hours after I called to cancel it. 
Ive circled in red the highlights of time and the consumer rights statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I am seeing a unusual amount of inquiries appearing on my credit report that I do not recognize, specifically over the past few months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I went into Kohl 's store to make a credit card payment. Kohls is saying I never made the payment. I have disputed the the charge ( after the payment ) 2 time. Kohls says there is no payment matching the charge I am disputing. I have a receipt of the payment and I have a receipt of a voided after original transaction for the amount, but the guy that took my payment never gave me the money back. Kohls should have {$100.00} floating around as extra cash, or the guy took the money. Should be able to look on video footage and see what happened. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the item on my credit report XXXX XXXX Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX XXXX my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap. 

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX XXXX  which I only got to use the XXXX for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX for XXXX plus XXXX for XXXX. Which was told by XXXX XXXX that will be applied to my balance. 

The reporting of this should be paid and, closed with a XXXX  balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
Product: Debt collection

I have been dealing with this for about XXXX years, this is the XXXX collection company that has attempted to collect this debt. I have work with the other XXXX and they determined it was not mine and ceased collection action. This company diversified consultants, reported me to the credit bureaus even though I let them know in writing before the 30 day time frame and called them to explain the situation. I asked them for the supporting documentation and they did not send anything over as I know it does not exist as it is not my debt. I have reached out to them to have them remove the negative report on my credit but they have yet to return my call or reply to me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 60 days 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 XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). Transunion, XXXX and XXXX refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

XXXX XXXX XXXX
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. 

Date Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX US DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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.