23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a letter in the mail from Essex Mortgage, the servicing company, saying my partial claim is now denied since they didn't receive my partial claim package back and now at this time it is deemed to be expired. This is a false hold. I am the customer, it is not my job nor will it ever be my job to be both the customer and the employee. I do not work at Essex mortgage. It will never be my responsibility to locate documents that was clearly delivered to them. They are apparently unwilling on purpose, to do their jobs, which means they are stealing time away from the company and should be fired immediately. They approved me for a partial claim to put all my missed payments to the back of the loan from the forbearance expiring. The partial claim was fully approved, the paperwork sent to me via priority mail, with a return label. The completed all the documents, had them notarized and sent back a to them on their return label. Instead of searching for the documents after they were clearly delivered to them they want to send me a notice saying my partial claim is now denied. It seems like they are trying to find everything they can do to try and torture me and cause me pain and suffering. I told the rep that they usps service some times tampers with my Mail out here, which is a federal offense, once provened, but it seems like they are taking that information and trying to falsely use it. Armed with that information they thought they would play this game to say they didn't receive the documents when it clearly shows they did receive the documents. I mailed them on XX/XX/XXXX, they received them on XX/XX/XXXX. It was delivered to their location. It is their job to find out what happened to the documents but instead of doing that they want to tell me my partial claim is now denied. This is unfair, unscrupulous and clearly unethical practices. They are really pushing the envelope trying to see how much they can get away with. I am flabbergasted. I should not be surprised. They don't seem to care if you file a complaint against them they become defensive when you do. They will act like they are trying to help once you complaint about them but they still seemingly haven't changed their ways of doing fair and ethical business. Normally they would send next day label to send it back this time they sent it priority mail with return label priority mail instead of the next day. Either way, it was returned to them at their location on XX/XX/XXXX. It is their responsibility to locate those documents. I have already been in discussions with someone regarding their practices as this is causing me unnecessary time away from working and stress and pain and suffering. Enough is enough. They are really trying to push the envelope to see what they can get away with. Look at all the online reviews about them. Didn't think I would be going through this with them but here we are.
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, Deville Asset Management, collecting on behalf of XXXX. Deville Asset Management is not license to collect in the state of Texas. Therefore I am disputing to have this collection account removed.
Product: Debt collection

The firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has stated that " This office does accept service by email or fax. '' However, in the state of NY, we have the following language, which was included on the summons and complaint " An attorney representing a party who is served with this notice must either : 1 ) Immediately record his or her representation within the e-filed matter on the XXXX XXXX XXXX ; " The documents in my law suit were electronically filed. 

I have asked XXXX XXXX of XXXX why XXXX thinks they have the right to not engage with email. 

I have not received a response. 

It seems to me this is an effort by XXXX to erect artificial hurdles to communication. There is no reason I should not be able to talk to them via email, and they are introducing artificial delays by trying to avoid using email. 

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

I called Equifax on XX/XX/2021 and cancelled the service. But, a {$16.00} charge continues to be put on my credit card on the XXXX of each month ( XXXX, XXXX, XXXX, XXXX, XXXX ). I've made numerous phone calls where they offer apologies and maintain that the account is now officially closed and that I will see email confirmation thereof and past charges refunded, but all I see is another charge on my bill on the XXXX of each month. 

My case number as of today is XXXX I was told today that the cancellation ( that is, the fourth and most recent request for cancellation that I made on XX/XX/2021 ) is still " in progress ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
CHILD SUPPORT ENFORCEM XXXX Balance Owed : {$0.00}
Product: Credit reporting

I have several inquiries on my credit report that are inaccurate, they were disputed and Equifax and XXXX are stating that the information is factual and to contact creditor. I contacted creditor and they state that the inquiry has been removed and it has been sent over to all XXXX credit bureaus, The inquiries are XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
Product: Vehicle loan or lease

The social security number that they have on file isnt mine. I tried to contact the company via phone and also sent more than 10 emails and none were responded. I have been trying to resolve the problem for over 4 months but without success. 

I need them to correct the social security number on the systems to start reporting my credit. 

Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acoount # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Back in the Fall, I submitted an application for the SAVE repayment plan, estimating my payments would be {$0.00}. When XXXX rolled around, I noticed that almost {$1300.00} was withdrawn from my account because they only processed the SAVE plan for XXXX out of my XXXX loans in error and I payed with no repayment plan whatsoever on the remaining XXXX. I called and they told me it was an error on their end and they would request a refund. I submitted a complaint with the better business bureau and their response was that they had that time frame to refund me. I called back today which is day 90 and was told that my refund request was canceled because it would put my account into delinquency and there was nothing they could do to get me my money back. This is two months worth of my mortgage and I can't imagine just letting this money go forever.
Product: Credit reporting or other personal consumer reports

I have been trying to get this late off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what's going on it's really simple, Equifax continues to be willfully non-compliant by reporting inaccurate addresses, experiences and transactions and an account with an alleged debt on my consumer report without my consent and I repeatedly told them not to! 

Equifax is an elaborate mechanism, according to Congress, in which they assumed a role of consumer reporting, but it was not given to them. They are not in charge of my person, my nonpublic personal information nor my consumer report ; I am in charge and I determine what goes on my report and what comes off! I do not have a contract with this elaborate mechanism and I never gave this elaborate mechanism written permission to create a credit file on me in the first place. I do not have to prove myself to them or send them personal private documents of any kind for any reason. they have already The federal Fair Credit Reporting Act ( FCRA ) protects information collected by consumer reporting agencies, they also promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These laws are here to protect the consumer, which is me, it doesnt say anything about protecting these elaborate mechanisms that label themselves as The Credit Bureau XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people and there is a class action lawsuit against them. 

They are in violation of several laws : 15 U.S. Code 1681b ( 2 ) ; they may furnish a consumer report under the following circumstances and no other and that would be in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions or permission to report addresses or any other information on my consumer report, where is the written instructions from me? They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) ; the term consumer report does not include transactions or experiences. So why are there late payments, etc. on my consumer report if the law clearly says those things are not included on a consumer report? Violation of 15 U.S. Code 1681b ( e ) Election of consumer to be excluded from lists ; I have already made an election for names and addresses to be excluded and I do not consent to any use of a consumer report relating to me in connection with any credit or insurance transaction and here I am making it again. I opt out of having Equifax report the specified accounts names and addresses on my consumer report. If they continue to be willfully non compliant, I will invoke 15 U.S. Code 1681n for Reporting information after notice and confirmation of errors 15 U.S. Code 1681s2. They have 5 days to comply from when they receive this.

I have attached a power of attorney and an affidavit of truth along with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I need these disputes closed and removed from my credit reports. I am trying to get approved for a mortgage and they can not move forward with this process until all the disputes are closed and removed off my credit reports. XXXX XXXX XXXX ( XXXX ) I need the disputes closed and removed from my credit reports. XXXX XXXX XXXX ( XXXX ) This account also have disputes open that need to be closed and removed from my credit reports. I have contacted XXXX, Equifax and XXXX several times and instead of the disputes being closed and removed. They are opening new disputes on m y credit reports. I am trying to to get approved for a mortgage and this is keeping me from moving forward with the process. Please assist me in this matter.
Product: Student loan

I want a review of my account. I have been offered, deferment, income driven payments. 
I can not and will not be able to pay this loan anytime. 

This company has misled myself and millions of other students and their loans. 
This company needs to be accountable for their lack of communication and customer service. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Towards the end of XX/XX/2020 I tried to transfer money from my relia card to my bank account and for some reason the transfer did not go through and I was contacted by text message to verify my identity through a picture document and a selfie which I supplied. I was told my money would be released in about 5 Days it is going on about 6 weeks and numerous phone calls to no avail I really need my money and cant get it.
Product: Mortgage

We were suppose to close on our mortgage on XX/XX/2019. I arrived at the XXXX  XXXX XXXX XXXX  XXXX at XXXX. At that time I was informed that XXXX XXXX ( XXXX XXXX  XXXX XXXX ) did not send the package yet. At XXXX, I sent an email to XXXX asking why she has not sent the package yet. 

Her response to me was very rude and she threatened me and my wife. I had nothing but email communication with her but she never told us the amount we needed to bring to closing. I have always been nice to her due that I was taught never bite the hand that gives you money. This email made my wife cry and I have been unable to sleep wondering what happened. I will attach the email to this complaint to prove how rude she was. She even threatened to retract the loan right on the closing date??
Product: Debt collection

My name is XXXX XXXX and I recently obtained a copy of my credit report and I see that I have an account XXXX  on my credit report but I am not really sure what it is about. If you don't mind please send me validaUon of the debt you have listed on my consumer report. Due to my current living situaUon, it would be most convenient for me to receive communicaUon via email. Therefore, I kindly request that you email the validaUon of debt to the following email address : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I called in to make my minimum amount due on my account. I discovered that I was being reported late to credit bureau XXXX and XX/XX/XXXXdays past due. 

I enrolled in an hardship program. When I call the automated line it says nothing due, no minimum amount due. I spoke to several people on XXXX XXXX with different stories. 

The first department insisted that when I call in, it is not reflected correctly. I indeed have a past due of XXXX dollars. The lady was getting irate so I asked to transfer. I called back and was given to the hardship line. 

The lady said it was kind of confusing to explain what was happening to my account but she basically said that when I enrolled in a hardship program in XXXX, that the system was doing it for the next billing cycle ( not with my knowledge ) and that is why my account was being put in the bucket of past due. She indicated even though I was paying the min amount due it really was not the amount due. I paid XX/XX/XXXX what it said my min of 10 would be and my payment is due XX/XX/XXXX. I was marked ay 30 days late because even if the phone system said 10 dollars my payment really was missing an extra 10 dollars and some change. 

I said that this was unfair and I would like them to open a dispute. She indicated that they are not trained on credit and how it works so she could not do anything but direct me to this address to dispute : XXXX XXXX XXXX XXXX ohio XXXX I believe this company practice is unfair. In enrolling in a hardship program they said my min payment would be reflected. They did not tell me of next billing cycle. I believe a company should fairly also tell you what is past due. If their own system is telling me that my payment due is 10 dollars, I hit pay that. If it told me 20 dollars I would of happily hit that too. I don't believe it is fair for wayfair associates to tell me that the phone system I call in to make my payment is wrong- I clearly call in and that is what it tells me to do. If it is wrong, then wayfair should own up to advertising me the wrong amount due. 

I have asked this to be emailed to me, have asked to be escalated a supervisor but they indicated they can not contact me via email. The only thing they can do is send me the letter where I did enroll in hardship. 

I did verify my address as well as I am not getting statements. If they miss my apartment and do not put F in front of it, it goes to another building. They are not helpful in this matter and it should not be my fault if their computer takes time to process. Maybe ( understandable ) they are being overwhelmed with people in hardship programs but it should not be our fault that we are being marked if their computer systems can not keep up. 

I only have phone conversations - I can also supply dates I have paid on my bank but please reach out directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of identity theft, and have attached a FTC report and a letter stating the fraudulent accounts that were open under my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Convergent Outsourcing and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

File an complaint on my account numberXXXX my credit card been cutoff since the year of 2018 with a balance payoff since day one would like some to look in to my credit card since day one with my okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed a file which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

This account is at a XXXX Balance and closed. However it is showing to be hurting my credit score. As I am trying to fix everything, I am learning a lot more about credit scores. I had no idea this was even on my account. 
If there was a balance I would be requesting information but there is no balance so there should not be any hurt to my score. Its showing as bad standing please see attached screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : no way to get a hold of dispute process through automated system. XXXX options available are to lift a credit freeze, place a fraud alert, or order credit report or score. To get to the dispute department I have to connect to member services, then get transferred to disputes, then get transferred to special services. This wastes my time and the reps time. 

XXXX : here is the id theft report requested by XXXX. Also attached is the document where XXXX  says they do not have any way to verify who opened the account because they do not have a copy of my id, or a signed application by me. How it can be verified as accurate when they can't even verify who opened the account is beyond me. This will be the third time XXXX  and XXXX  have been notified that XXXX  said they can not verify who opened the account.
Product: Money transfers

Jpay is an organization that processes EFT money transfers to inmates. They have a captive audience in a cornered market, so they charge fees accordingly. They charge 18 % per transaction, which is highly disproportionate to the cost of processing the money transfer. These fees are charged to a disadvantaged consumer group : families of inmates who are likely to be financially struggling to get by. I feel it 's a predatory practice and it needs to be stopped. I 'm not even sure who regulates JPay, but the money transfer section of the company needs to be reviewed by the CFPB. JPAY has already been called out and regulated on for predatory charges for phone calls -- upwards of {$14.00} for a 15 minute call. Now the money transfer side needs work.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting an inaccurate account XXXX XXXX XXXX with a charged off status on my credit report with a balance o {$7300.00} and high balance of XXXX. 
***In accordance with the provisions of 15USC 1681 ( e ) and 15USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Debt collection

I have never visited XXXX XXXX XXXXXXXX, or anywhere near in my life. I have never used ambulance services. On XX/XX/year>, I received a bill from XXXX XXXX XXXX XXXX XXXX stating that I owe them a payment for an ambulance called to the address of a XXXX bus station. I contacted XXXX XXXX XXXX XXXXXXXX XXXX  on the phone to explain the situation. The representative quickly confirmed that the bill was indeed not related to me, and reassured me that I did not need to pay it or take any further action. The representative refused to disclose any further details about the ambulance service record that would help me understand why the error happend, the nature of service provided, or identity of the de-facto patient stating privacy restrictions. I did not receive any follow-up bills from XXXX XXXX XXXXXXXX XXXX XXXX after that call. On XX/XX/year>, Credit Service Intl Co flagged my account as Collections in relation to the XXXX XXXX XXXX XXXX bill in all the credit bureaus resulting in my credit score drop by more than XXXX points. The collection balance amount is {$1400.00} as of XX/XX/year>, including an accrued interest. I sent Certified Mail letters to XXXX XXXX XXXX XXXX XXXX and Credit Service Intl Co stating my case and requesting to remove this erroneous charge.