23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted PSLF paperwork in XX/XX/2022. It has been over 90 days now, and 2 of my submissions still have not been updated. I have called numerous times to get an update on my paperwork, but can not get through. I stay on hold for multiple hours, and never get through. I have yet to actually speak with a real person. You have to wait at least 4 minutes before even being put in a queue which I find very frustrating. It should not be this hard to get information. I did not have this problem from my previous lender. Feels like multiple hurdles are being put up to prevent borrowers ability to talk with a customer representative. I did not have a choice in who my loans went to, but this is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, Experian or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), Experian is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX resort group ( opened XX/XX/XXXX ). I never authorized and or gave Experian or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact Experian, XXXX or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Experian is still reporting a Deleted account that was deleted off my credit report. The Account name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My navy federal credit union someone did unauthorized transactions on my account on XX/XX/XXXX I havent used that account in a while and the only way that I found out was because they emptied my moms account because hers is connected to mine.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes particularly in the recent CFPB lawsuit having significant issues with the platform. Despite using Zelle numerous times, my financial institution and Zelle failed to investigate my claims. They informed me the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicated that Zelle has not not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX XXXX XXXX scammed me out of money. They told me they would refund my money after not providing services. Breach of contract. They blocked me after receiving the money and had no intention providing services..They committed provided Fraud by Deception. I have reached out several times for a refund with no success. The last message I received was that I had to wait 189 days for a refund since I wouldnt send more money. These people are scamming people out of money from XXXX. This is where I found them at.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( XXXX ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.
Product: Mortgage

On XX/XX/2023, I submitted the information requested to XXXX XXXX at Barrett Financial Group to apply for a mortgage loan. XXXX mentioned that he needed additional information to continue the application process since I worked less than 2 years at my current employment since I was a few months shy of two years. I provided additional information for him to contact my last employer since I do the same type of work, sales, but with a different title. 

XXXX only contacted my past employer once, but they didn't respond immediately. He called me on XX/XX/2023, suggesting that I hold off on the application since there were some issues with information showing on my check stubs that he needed clarification from my current employer about. I reached out to my employer to inform them about the issue and they quickly corrected it. 

I repeatedly tried reaching out to XXXX and his team to inform him that it was updated and I hadn't heard from him. I have a great credit score, I have been pre-approved from another lender but I was checking to see if I can get a better interest rate. I'm writing to CFPB because they ran my credit but didn't complete the process even though I informed them to do so and they ghosted me which is beyond unprofessional as a client.
Product: Mortgage

I am dealing with a nightmare as Shellpoint Mortgage is failed to correct the loan modification documents to show a current due date for the first payment and update the amounts. The loan was originally my sister 's, XXXX XXXX, who passed away. I am the Successor in Interest and working on assuming my sister 's loan. 

My loan was previously with Specialized Loan Servicing ( SLS ) and I was approved for a trial modification where I made my XXXX trial payments. SLS then sent out the final loan modification/loan assumption documents where they were all botched up with wrong names on them. While the law firm that is working for me was addressing the issue, they closed out the loan modification. My law firm fought to have it reopened, which it was, but they during that time, they wouldn't accept payments from me so I could continue making trial payments until the final loan modification documents were corrected and finalized. During that nightmare, my loan transferred to Shellpoint who has made matters a XXXX times worse! They don't care that SLS stopped accepting my trial payments while they were working on fixing their mistakes on the documents. So when Shellpoint got the final loan modification documents drafted properly, they wouldn't finalize the loan modification unless I paid all of the payments after my last trial payment which is not ok! I have also attached the Dispute that my law firm sent to them which they still denied the request to fix their mistake. This is completely unacceptable! 

So now I am in the process of losing my home and having to sell it due to Shellpoint failing to update the loan modification with the correct information so that I can start making my payment and keep my home!
Product: Mortgage

On XXXX XXXX, I realized that I did not get my statement to pay my mortgage. I called Seterus who said that no statements were sent out because they were having '' computer problems ''. I was instructed to send the check in with the account number written on it. This was done. However Seterus applied it to the wrong account. I have tried for the past 2weeks for them to correct their mistake and now I am been penalized with late fees and a negative on my credit report. I have called multiple times and have been told that they see it noted but NO effort has been made to correct their mistake. .I find this very unprofessional and unethical. Can you please assist me in resolving the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a prepaid/secured c/card with XXXX XXXX XXXX, deposited {$500.00} dollars. Had excellent payment history. In XXXX, I asked the bank to cancel/close my credit card account and return my deposit. My multiple calls, emails, formal requests were ignored, my account has never been closed. I complained to the OCC 's office and Attorney General Consumer Fraud division. The XXXX XXXX XXXXXXXX took adverse action and retaliated against. Subsequently my account was impacted by bogus, fraudulent late charges, was escalated to their collection agency, which adversly affected my credit score. In XXXX and XXXX when I was out of Country due to emergencies, the XXXX XXXX XXXXXXXX was even contacted from overseas, I incurred long distance/international calls charges. I can prove by my phone bill my countless long distance calls made to the creditor. The bank took advantage of my absence from country due to my medical emergency and never closed nor cancelled my card. As a result of that bureaucratic runaround, scam and consumer financial fraud, my account incurred bogus late charges, with derrogatory remarks and default status, resulting in harsh impact to my credit rating. My credit score was crashed because the XXXX XXXX XXXXXXXX took adverse action, retaliated against me in response to my formal complaint filed with the federal agencies in charge. I was denied loans or other credit cards only because of this harsh impact on my credit file, since the creditor reported my account status as negative/charge off. I retained a lawyer only for legal communication with the creditor. Upon receipt of the legal letter, I received a call from the XXXX XXXX XXXXXXXX Executive office and was promised an immediate deletion/removal of the negative reporting from all three ( 3 ) credit reporting bureaus. I was cheated, scammed and defrauded. The same false negative/derrogatory status reappears in my credit file. As a victim of financial fraud and predatory lending, I would contact all media channels, FBI, Federal Reserve Board if your office would fail to enforce the laws and regulations to protect my rights as a consumer and victim of financial fraud by the bank. See attached legal letter.
Product: Student loan

My personal and financial information was compromised. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full as well as any interest that accrues while being investigated.
Product: Debt collection

On XX/XX/2019, they called and left me a voicemail stating that they are " XXXX  calling regarding your scheduled delivery for tomorrow between the hours of XXXX and XXXX. Press one if you need to reschedule or have any further questions regarding the delivery or contact our office at XXXX. Thank you '' They are pretending to be a company they are not, providing a service they are not. When I called asking about who they were and what they were talking about they told me they are XXXX XXXX. When I asked why they would leave a voicemail saying they had a delivery for me, the woman got very defensive and nasty.
Product: Debt collection

Iq data international says I owe for XXXXXXXX XXXX apartments, I have never leased from XXXXXXXX XXXX apartments and told them that, the company I leased from no longer is in business and they would not remove snakes from property and my wife was terrified and caused her issues and we had to move, they refused to help in anyway and were responsible for pest removal. We moved and my rent was paid to date when we did. They broke contract by not removing snakes from my front door, the only way out and my wife suffered from this. This was on my report for seven years and I never contacted them but they changed amounts on my report to make it look like I was doing something, now they have put this back on my credit report and I have never spoke with them in over 7 years. They are falsifying information to try and get me to pay something I'm not going to pay.
Product: Credit reporting or other personal consumer reports

the following information being reported on my credit report that do not belong to me and are results of identity theft. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX {$0.00} - - - The following inquiries are unauthorized and must be removed. 

Name Requested On XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment Ive attached a copy of my report to this complaint on the following date ( XXXX ) Im now requesting you to investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified I demand this payment to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had loan. Approved for {$2100.00} was put into my Pay Pal account. Card number # XXXX XXXX XXXX XXXX valid thru XX/XX/20 CCV # XXXX I only got to use these funds for a week then my card was cut off. I spend only {$620.00}. There be a balance of {$1600.00} left. On my card. 

The Pay Pal company. Said I spend {$2100.00} in a week. That is WRONG ..!!! 


Plz check into this. 

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

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and XXXX and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, Equifax, XXXX and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, Equifax and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX, Equifax and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, Transunion and XXXX. The XXXX attempt went without a problem, but I was thwarted in my attempts at XXXX and Transunion. After filling out the credit freeze request form at Transunion, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : 8:00 a.m. to Midnight, and Friday through Sunday : 8:00 a.m. to 8:00 p.m. Eastern Standard Time. '' <p> In the case of XXXX, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA
Product: Credit card

My Mastercard from Citibank was charged {$1300.00} on XX/XX/year> by a merchant I have never heard of or done business with. On XX/XX/year>, I notified Citibank of the error. 
I have called them numerous times and gotten nothing but denials and non-answers to my requests for credit. 
I called the merchant who charged my card on XX/XX/year>. They said the charge could not be theirs as they do not accept credit cards! They also told me that a number of people have called them saying they had the same problem I do! 
I called the credit card company with this information. They said I should send an email with this information to their Security Service Manager which i did on XX/XX/year>. Citibank is still denying me a credit! 
Help me please. This is a sizable amount of fraud by someone and Citibank is not honoring their commitment to protect me from fraud. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove collections that will not validate the debts they say I owe, I disputed these collections in XXXX and they refuse to respond to my dispute! I have tried to dispute this for 90 days now Experians representatives continue to hang up on me, wont get me a supervisor, continuously lie to me that they cant get a supervisor unless they access my credit file, reporting fraudulently and not following the FCRA law concerning correct reporting, agencies continue to change information amounts owed, dates. Deragotory remarks. Etc. Also the items are not marked on my credit report as disputed they are showing as my accounts and even have been moved from collections to installment loans on my report! My FICO score is being shown as XXXX to me on my account but a different score is being released to creditors who inquire! Experians dispute phone number hangs up on you does not allow you to speak to a agent of Experian, I am providing this dispute to begin a criminal investigation by local police and the FBI to have all parties involved prosecuted for criminal activity and the unfair practices of stealing my personnel information, for effecting my credit scores and reports to prevent me from obtaining credit, and for misuse and conduct of my personnel credit files and personnel information, breaking consumer laws for fair credit reporting, and for fradulent investigations of disputes and corrections, releasing information that is incorrect to creditors, collection of money for membership and reporting false information on my account, refusal of protection of my credit file, allowing criminal agencies to break the law and putting false information on my credit file. A copy of this complaint and police report have been forwarded to the FTC, FBI, AND LOCAL SHERIFFS DEPARTMENT for investigation and prosecution I expect the CFPB TO INVESTIGATE AND ENFORCE THE FCRA FEDERAL LAW AND TO TAKE ACTION!! ACCORDING TO THE UNITED STATES ATTORNEY GENERAL, FTC, FBI, THE WHITE HOUSE. THE DEPARTMENT OF JUSTICE, HOMELAND SECURITY YOU ARE THE ENFORCING AGENCY AND I EXPECT A RESOLUTION AND REPORT OF INVESTIGATION OF HOW THIS INVESTIGATION IS CONDUCTED AND ITS SOLUTION!! I WANT ALL INFORMATION PROVIDED TO ME SO IT MAY BE FORWARDED TO LOCAL LAW ENFOREMENT AND THE FBI FOR PROSECUTION
Product: Debt collection

Levy & Associates ( XXXX, OHIO ) filed a law suit against me in XX/XX/XXXX. 

Their " bill of sale '' from XXXX of XXXX showed an amount they essentially " made up '' and submitted to XXXX Municipal CourXXXX ( XXXX, Ohio ) as evidence of what I somehow " owed them ''. 

A debt consolidation company I hired in XXXX of XXXX, XXXX XXXX XXXX, had negotiated an amount which was less than half of that which Levy & Associates are currently attempting to collect from me. This settlement letter was issued to me in XXXX of XXXX -- which is after their " supposed '' bill of sale. They submitted false evidence to the court and caused additional injury to me and my family. 

Furthermore, the date of this suit is pertinent because, clearly, they are merely attempting to unfairly profit by further injuring vulnerable consumers and heads of household already compromised by challenging economic conditions. Levy & Associates is actively engaging in unfair, deceptive, and in my opinion and that of millions of consumers abusive practices -- they don't see this as abusive, but causing economic injury to a parent who lost a child and is attempting to recover, is abusive.