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

I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.
Product: Checking or savings account

In or around XX/XX/XXXX a roommate at someplace I was staying stole my information and was using my Bank of America account and tried cashing a check that caused Bank of America to close my account which XXXX really closed, because when I called they would just give me the run around and then it was XXXX so I wasnt able to go into Bank of America and so they claim I owe an outstanding amount of around XXXX and so I contacted them plenty of times but they werent helpful in any type of way and only made it more difficult even to where I wasnt able to get a account anywhere.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPD lawsuits highlighting significant issues with the platform. Despite using Zelle and reporting my issues, my financial institution and Zelle failed to investigate my claim. They informed me that my lost funds were impossible to recover and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed a debt with XXXX XXXX with XXXX it was deleted only to be rereported again on all 3 bureau from a different collection agency.
Product: Mortgage

( XXXX ) Request you to give me the EMail ID of XXXX XXXX is the CEO of RoundPoint Mortgage, so that I can write to him about the issue ( or ) Please forward my Complaint to XXXX XXXX is the CEO of RoundPoint Mortgage ( XXXX ) Issue : We are paying {$500.00} Every Month towards the Principal and we want the Amortization Statement taking into Account of {$500.00}, so that Our Maturity Period of the Loan Payment will reduce ( XXXX ) I have been following up with Roundpoint Mortage for the Past 4 Months ( XXXX ) And I have raised XXXX Complaints with CFPB. 
( XXXX ) Who will educate Roundpoint Mortgage to give Amortization Statement the way it has to be given, taking into account of Any Additional Payments towards the Principal. 
( XXXX ) Roundpoint does not understand this. 
( XXXX ) Please see their attached reply, which says to call them. But for the Past 4 Months struggling to make them understand what Amortization Statement means ( XXXX ) As a Consumer Financial Organization, CFPB, should help me in this regard and at least this time, my Request is fulfilled
Product: Money transfer, virtual currency, or money service

XX/XX/year> sent XXXX transaction total XXXX {$500.00} each and another {$50.00} to XXXX individual. Not able to get money back. The company did not take any actions towards this fraud.
Product: Checking or savings account

I had my Social Security check deposited in my wife 's account over which I had POA. She had XXXX XXXX and was a resident in a long-term care facility, she died XX/XX/year>. US Bank locked me out of the account and said since the account was not in my name I was not entitled to any information about the account. I was not able to get the XXXX check deposited in an account at another bank. I have not received it yet, despite numerous conversations with Social Security, US Bank and XXXX with the XXXX Treasury. 
Social Security says, talk to US Bank, XXXX Banks says, talk to XXXX Treasury, Treasury says they re-issued the check twice, but it was kicked back because the money was not returned.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXXXXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting

I have been trying for the last 2 weeks to obtain an SSI Statement so that I may start the process to file for SSI insurance. However each time I try to access the system I am rejected due to incorrect information. I spoke with SSI and was told that he information used to verify my identity is done through Equifax and was given a number to reach someone there never the less all I kept getting was an automatic system which was no help. I went online to obtain a number for Equifax so I could speak with an customer service agent and I got someone name : XXXX who basically tells me my name is incorrect even though on my credit report I get from them I can see my name listed as though it is an fraud. I was married in XXXX and had my last name changed legally all documents Social, ID, tax returns, home lease, utilities, and employment are under my marriage name. But since Equifax has not updated the information and this is one of the main credit bureau that companies use it is like I am using fraudulent information. I was told that my information would not be changed until I submitted information to them but when asked for the address after having to request to speak with a supervisor who I was told would not speak to me I was given the following address : Equifax XXXX, XXXX XXXX Ga XXXX the correct address listed online is Equifax Credit Information Services , Inc XXXX. XXXX XXXX XXXX, GA XXXX .Maybe it is me but it seems as though there is some information missing from this address I repeated and asked at least 3x times if this was correct. I feel like the way the customer service agent handles calls was definitely not correct. The incorrect information which is listed for me is affecting paperwork which I need to have submitted. Also the fact that the supervisor was eager to get off the phone rather than assistant me with finding out how to get all my information updated correctly makes me feel really worried. I have seen a couple of things listed on my credit report concerning auto loans which I know I have not applied too or for. The last time I applied for an auto loan was in XXXX so I do n't know who I can speak with concerning this matter either all the other credit bureau handles these matter quickly, but not Equifax. I need Help
Product: Credit reporting or other personal consumer reports

These accounts and Inquiries are not mine they were made without my permission, consent Inquiries. JC Penney Inquiry : XX/XX/2022 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the Inquiries must be removed immediately thank you.
Product: Debt collection

For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. They incorrect debt they are harassing me for and making my life a complete XXXX is for {$430.00} & {$190.00}.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX have utilized my information without proper consent. Reporting and selling my information to each other. Giving promises of credit. Hindering me from life, liberty, and the pursuit of happiness to live freely. Therefore the information which is being reported to my consumer credit profile is false. 15 USC 1681s - 2 states that a person must not provide information about a consumer to a CRA if they know or have reasonable cause to believe that the information is inaccurate. Per 15 USC 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. All of these agencies are third party agencies and did not have my written consent to disclose my personal information for any basis of inaccurate information being furnished on my consumer credit profile. The 3 main credit reporting agencies : XXXX, Equifax, & XXXX have been known for their deceptive practices, unlawful dealings of publishing false information on consumers credit profiles. They have also breached my rights under the Privacy Act of 1974. The XXXX XXXX XXXX XXXX  ( XXXX ) for sharing my personal information with these agencies for monetary value. These companies, knowingly and willingly continue to disregard the FCRA Law, FDCPA & FTC guidelines which they all sign under their Indenture Trustee/Trustee/Servicer/Depositor SEC Forms . It is a VIOLATION!!!!
Product: Money transfer, virtual currency, or money service

When I first started using XXXX  I was able to just send money without authorization.
Product: Credit reporting or other personal consumer reports

account showing open missed payment on a closed account that has be assigned to attorney ( in litigation ) dispute account several times this is inaccuate information
Product: Mortgage

I did a trial mod with LoanCare, and completed paperwork successfully, got approved the paper work was sent to LoanCare over a month ago, on XX/XX/2022. I have made numerous phone calls requesting my loan modification paper work with no response. LoanCare can not or will not tell me when my paper work will be sent. I call them every day to get the same reply LoanCare telling me they do not have me an answer. I am told they will escalate the file but nothing ever gets done.
Product: Mortgage

I called to pay my Select Portfolio Servicing, Inc. mortgage on XX/XX/XXXX... I spoke to a Rep about getting me mortgage lowered. .I 'm on a fixed rate and it jumped XXXX to XXXX to XXXX. The lady said there was an escrow shortage, She said if i paid XXXX on XX/XX/XXXX my mortgage would drop down to XXXX said are you sure... she said yes, She said i would have to pay XXXX in XX/XX/XXXX but in XX/XX/XXXX it would go down to XXXXI said ok.I then paid XXXX while on the phone with here. Then I get XXXX mortgage statement and i noticed the mortgage didn't go down like i was told, So i called them XX/XX/XXXX and I was telling the Rep my problem. she then tells me the other rep was supposed to key in something on her end and didn't. and that she could do it and the mortgage would be lowered in XXXX, I told her that the same thing the first Rep told me.I then asked to speak to a manager, The rep said I don't know why because she's not going to change anything. So i spoke to a supervisor name XXXX and she saw an error was made on their end and wanted me to pay XXXX and then telling me it would go down in XXXX how do i know this would be true because your lied before, I then asked XXXX for a manager, she would only give a first name no phone extension or last name, But she then said I can't call her but she can call me.Select Portfolio Servicing , Inc. is a scam and ripping elderly people off and they needs to be investigated and shut down..They ripped me off before by not sending my escrow overages for 1 year, when I complained about it, they said someone on their end made a mistake. I looked at Select Portfolio Servicing, Inc.reviews and complaints on XXXX XXXX XXXX  and XXXX, All of them were bad..From my experience with Select Portfolio Servicing, Inc.they all are 100 percent True
Product: Debt collection

Portfolio Recovery has engaged in a relentless pursuit to collect a debt already settled. 
On two occasions Portfolio Recovery was notified that the credit card debt they seek to collect was settled more than three years ago. Furthermore, I am currently in good standing with that credit card company. 
Calls are at random hours and often well before XXXX XXXX. On two occasions calls were received after XXXX midnight. In these instances their number was entered on a police complaint hotline. 
Moreover, several of their numbers have been entered on the national do-not-call list. 
Apparently, this collection agency has found a way to completely ignore the do-not-call list by using other random numbers. Also, written notices, and requests to cease and desist have also been ignored. 
The ongoing abuses include : ( 1 ) failure to leave a message and causing frequent crowding of the home answering machine ; ( 2 ) quick re-calls are relayed to personal cell phone when home phone calls are blocked ; ( 3 ) overload to call blocking is created by randomly using in excess of 140 different numbers ; ( 4 ) random calls are also made via unavailable, unknown, or invalid numbers to avoid call blocking of numbers identified as Portfolio Recovery. 
A list of the random numbers used by this collection agency can also be sent at your request. 

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

Dear TransUnion services : Please correct the following from File No. XXXX XXXX ) Delete the new file you have created under file number : XXXX with INCORRECT name the agent preparing this file created. My name is NOT XXXX XXXX. This worries me. 
2 ) PLEASE correct the address on XXXX XXXX showing XXXX XXXX XXXX. I have ONLY rented one apartment on XXXX XXXX it is ONLY XXXX XXXX XXXX. 
3 ) Please delete also another name recently agent has created most likely AGAIN typo, attaching my middle name to my last name together .... 
4 ) Please delete two telephone numbers I never had appearing in my credit file as follows : A ) XXXX B ) XXXX I never had phone numbers with these area codes. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The XXXX and EQUIFAX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.
Product: Student loan

I changed my autopay option on my federal student loans with Navient to use my new checking account. My old autopay was coming from a joint account with my ex-wife and I do not want that exposure anymore. I received an interest rate discount for being enrolled in autopay which I lost despite me re-enrolling in autopay seconds after cancelling my old autopay. Navient has stated that my interest discount will not go back into affect until XX/XX/XXXX which is the next autopay due date. Today is XX/XX/XXXX so I will be charged a higher interest rate for over a month. I have spoken with Navient and they stated there is no way for anyone at Navient to fix the interest rate discount and they are unable to simply modify your existing autopay to a different bank account without cancelling your old autopay so you do not lose any autopay discounts offered on Federal Student Loans.
Product: Debt collection

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.
Product: Student loan

Their website wo n't allow me to access repayment options it takes me to the page where I can pay the current due instead of showing me income driven repayment plans!!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$87.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX investigate this account for me to ensure accuracy. Here is the account XXXX XXXX i am asking you to verify as accurate
Product: Debt collection

I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company.
Product: Credit reporting

I reviewed my credit report XXXX/XXXX/16. On Transunion, there is an account with the name XXXX XXXX states " open '', with a date of XXXX, and with money owed to it. The problem is ... .I never opened this account. I do not live in New York, so I do not know who opened this, or how without my signature/written consent. This, in my opinion is deceptive, and just plain fraudulent in nature. XXXX XXXX has misrepresented themselves on my report appearing to be a currently " opened '', delinquent creditor-type account that I signed up for. It needs to be removed immediately. I have never solicited to do business with XXXX XXXX, nor do I owe XXXX XXXX any money for services/goods.This info was previously disputed, however nothing has been done to remove it.
Product: Credit card

I have called XXXX Credit Card, which is Chase Bank and cant seem to get anyone to listen to my problem which is on XX/XX/year>2024. There was a charge for {$2100.00} from XXXX XXXX I did not authorize this charge.
Product: Checking or savings account

I am writing to formally address the unjust closure of my account and the withholding of my funds, which has caused significant financial hardship. My account was closed after my son 's financial aid refund from his college attempted to post. I received no prior notification of this action, and as a result, I have been unable to access over {$1800.00} since XXXX. I pay for my son 's college so I am assuming when he had a little left over from a scholarship, they tried to deposit it as they do with college refunds. Citi rejected it and closed my account for fraud. My account had around {$1800.00} in it. I am not able to log into it and no one will help me. 

This situation has left me unable to pay critical bills or buy food for my household. Despite multiple attempts to resolve this issue, I have been met with an unacceptable lack of support : Customer service agents are only available in XXXX, with no access to U.S.-based representatives. 

XXXX XXXX branches do not answer their phones. 

I scheduled appointments that were never honored, as no one called me. 

A representative advised me to visit the nearest branch in Florida, which is XXXX hours away. However, that location does not answer phone calls either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inproper haddling of a dispute submitted to XXXXXXXX XXXX XXXXXXXX. I did not reside at the address provided for over 7 years. This collection agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.
Product: Debt collection

Rise Credit under the name XXXX XXXX XXXX sent dated XX/XX/2022 trying to collect a debt for a total of {$4000.00} which is a misrepresentation because you can't pay on a positive balance. They have willfully violated several laws. 
Fact 1. They are committing Identity Theft using pursuant to 15 USC 1681c-1 Fact 2. They are causing harm to my reputation by reporting inaccurate information on to my consumer reports pursuant to 15 USC 1692d ( 1 ) Fact 3. They are showing false representation implicating that I owe on a positive balance Pursuant to 15 USC 1692e ( 2 ) ( A ) Fact 4. False and deceptive means using to collect an alleged debt stating " Take Advantge of These Great Offers '' 15 USC 1692e ( 10 ) Fact 5. False and deceptive using another business name " Real Time Resolutions '' and " Rise Credit of South Carolina '', 15 USC 1692e ( 14 ) Fact 6. Under 15 USC 1692b ( 5 ) not use any symbol or language on an envelope or in the contents by the mails or telegram that indicates that the debt collector is in the business of collecting debt. They display a logo XXXX XXXX XXXX and in the contents is states that " this is an attempt to collect a debt. ''