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

Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. 

I have never been late, and have always made my payments on time. 

However recently my credit report shows that the XXXX XXXX was reflecting 30 days late, however as you guys can see I did not have access to any of my devices. 

I have the XXXX work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. 

I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. 

I never received any physical statements when my bill was delinquent, I understand XXXX and XXXX XXXX is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.
Product: Debt collection

I noticed a collection had been placed on my XXXX credit report on XX/XX/XXXX in the amount of {$71.00} for a debt with Eastern Account System , Inc. Since I had never been contacted by this company in any form and had never done business with or even heard of them, I assumed this debt was incorrectly assigned to me and I contacted XXXX to have it removed from my credit report. XXXX responded on XX/XX/XXXX that they supposedly investigated and claimed that the debt was valid and mine. 

I then contacted Eastern Account System by phone on or about XX/XX/XXXX to inquire. They claimed that the debt was from an unpaid medical bill from XX/XX/XXXX and that the original creditor was XXXX XXXX and XXXX XXXX. I responded that I had paid all of my bills with them on time and had never received a notice about an unpaid bill. They said they would investigate and get back to me. I contacted them again a few days later to say that I had proof of the payment of the bill from a charge on my credit card statement from XX/XX/XXXX in the amount of {$71.00}. They again said that they would investigate and get back to me. After not hearing anything from them for 3 weeks, I called again and they said that they hadn't heard back from the original creditor, but that they would contact me within the next week. To this day, more than 45 days from my original call, I have never heard back from them in any form. 

On XX/XX/XXXX I filed a new dispute with XXXX explaining the situation in detail and providing the credit card statement ( also attached to this complaint ) showing that the debt had been paid on XX/XX/XXXX. Yesterday I received a new response from XXXX stating again that the debt was valid but providing no other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX I HAVE CONTINUED TO WRITE AND COMPLAIN ABOUT FRAUDULENT ACCOUNTS AND ADDRESSES REAPPEARING OR NEVER SIMPLY BEING REMOVED FROM MY REPORT LIKE EQUIFAX SAID THEY WHERE GOING TO REMOVE THE INFORMATION AND I WILL CONTINUE TO COMPLAIN UNTIL THEY GET IT CORRECT.
Product: Student loan

Summary of Personal Experience with Sallie Mae Student Loan I began making regular payments on my Sallie Mae student loan in XXXX 2015. I had just graduated and started working and wanted to pay them off as soon as possible because of the very high interest rates ( XXXX {$10000.00} loans@9.75 % & 10.25 % ). 
I signed up for auto-debit payments on a 10-year standard plan, but also planned to make extra payments on the loan. I called Sallie Mae to see if they would allow me to set my auto-debit at a higher amount than the minimum payment due, or if I could select an additional amount to be auto-debited to help me pay the debt faster. Sallie Mae informed me that there was no way to set that up and that their system only allowed the calculated " minimum payment '' to be auto-debited. If I wanted to make extra payments, I would have to log into the account online or call them. For several months I logged into my account at the end of each month and made a manual extra payment. 
After a few months of extra payments, I noticed that Sallie Mae 's courtesy auto-payment email reminder listed a lower auto-debit payment amount than I had originally been paying. I called them to find out why my auto-debit amount was decreasing. They could n't answer why that was when I called, and asked if it was okay if someone " researched '' my account and called me back in 5 days. Before the 5 days was up, I realized that the reason my auto-debit was deceasing was probably due to the extra payments I had made on the loan. I was trying to pay the loan faster, but Sallie Mae was adjusting the auto debit amounts to catch me back up to a full 10 years of payments. 
I called Sallie Mae and requested that they not decrease my auto-debit payments because I wanted to pay the loan early and I like to keep a budget and it helps to know the exact amount that will be debited each month. Sallie Mae told me that unfortunately " their system '' generates the auto-debit amount and that it can not be adjusted. Their system will keep decreasing my auto-debits as long as I made extra payments. They told me that if I wanted a constant payment I would have to log into my account on the same day as my auto-debit and manually " make up the difference '' every month. 
Customer Service Issues : Calling Sallie Mae was an incredibly frustrating experience. For example, I was often put on hold for hours at a time without ever reaching a supervisors or anyone with answers to my questions. When I asked politely to be transferred to supervisors or managers who had more experienced knowledge I was told " no problem '' and then transferred to another call representative over and over again- never reaching a person who could answer my questions. The call representatives refused to provide their names or their names of their supervisors or provide me with direct contact numbers so that I could resolve my questions/issues more quickly.
Product: Debt collection

Received the first phone calls today from the third party collection agency for Balance Credit. Called twice in a row and left XXXX voice messages. Stated they had more than one number for me, which is incorrect. Then they proceed to immediately contact my family. They didnt not wait or give me a chance to respond prior to leaving messages on my system. Voicemail sounds threatening and asked to validate address and work address. They are harassing and abusive when dealing with people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, Equifax, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Product: Credit reporting 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 the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In XXXX, 2020, after initially applying in XXXX, 2020, I received a mortgage with Newrez. After getting the mortgage, I filled out a document stating I didn't want to receive advertising offers. I got some. So, I called and they said it would be taken care of and the ads would stop ( aside, they want me to refinance my less than 3 % mortgage with one over 5 % ). I am sick of their ads, they are not stopping them even though I have told them through 2 of their methods to stop.
Product: Payday loan, title loan, or personal loan

Received a loan with XXXX XXXX for a solar power system on my home that was sold and installed by XXXX XXXX XXXX, now known as XXXX XXXX. XXXX paid XXXX XXXX XXXX for the loan prior to the completion of installation. Since then my solar system is not fully operational and is not meeting the expectations that was agreed upon with XXXX XXXX XXXX. XXXX XXXX has filed bankruptcy and is not meeting the obligations in accordance to the agreement. I now have a system that is not operational and paying for a system with a normal electric bill in addition. I have requested a copy of the original loan applicaiton and all documents submitted to receive the approval for the loan. XXXX has failed to provide this documents and has stated via email that are not available. It is believed that XXXX XXXX falsely represented myself when completing the loan documents by stating my income was more then what i provided to secure the loan so they got the business. It has been noted by others this has been a common practice of XXXX XXXX and XXXX XXXX.
Product: Mortgage

My mortgage lender, Seterus, Inc., sent a letter and coupon XX/XX/2016 stating that I had a projected escrow shortage of {$8.00}. I included the payment coupon and the additional {$8.00} with my regular monthly payment in XXXX 2016, for a total payment of {$550.00}. The company has received the payment and cashed the check, but have credited the entire amount to my escrow account and show that I have not made an XXXX 2016 payment. I have been in telephone contact with Seterus, Inc iand spoken to XXXX XXXX ; XXXX XXXX acknowledges receipt of the funds, but states that they can not move my payment from my escrow account without written communication from me, which is only accepted by U.S. Mail. There is no way to send this request electronically. The result is that I will have late fees, that should not be charged to me as my payment was in their hands long before it was due. I am sending the letter but find that Seterus, Inc. business practices are predatory.
Product: Debt collection

In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, XXXX and Equifax disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, and a letter from my student loan all matching my correct Address. Experian responded with the dispute results on XX/XX/2022, and they did not correct my address. 

On XX/XX/2022 I sent a 2ND postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address. I ALSO added a picture of my building resident with my correct address. Experian responded with the dispute results on XX/XX/2022, but they still failed to correct the address. 

On XX/XX/2022 I sent a 3RD postal-certified mail dispute letter to Experian to correct my address. I showed my NY XXXX XXXX, Social Security card, my XXXX form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I also showed Experian the comparison between them and the other two credit bureaus such as XXXX XXXX, and XXXX has my correct address except for Experian. Experian responded with the dispute results on XX/XX/2022, and they finally corrected my address, but however, they put the incorrect address back on the credit report AFTER THE DISPUTE RESULTS for some reason. 

On XX/XX/2022 I sent a 4TH postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I gave Experian one last chance to correct my address before I escalate to the CFPB and the State Attorney General 's Office. Experian responded with the dispute results on XX/XX/2022, and they corrected my address for the 2nd time, but however, they put the incorrect address back on the credit report AGAIN AFTER THE DISPUTE RESULTS. They are refusing to correct my address. 

As of XX/XX/2022 Experian still is reporting the incorrect address on my credit reporting file.
Product: Checking or savings account

I received 4 separate emails that appeared to be from Wells Fargo Bank about an online application to open a checking account. I contacted Wells Fargo to notify them that I never applied online or in-person to open a checking account and have not authorized anyone to open an account in my name. The customer service representative stated that there was nothing that could be done to help me if I refused to give them my social security number. I terminated the call. I then proceeded to forward the email to Wells Fargo 's fraud/phishing email alert and deleted all of the emails. I did not click on any links within any of the emails. This is the second time I have received an email about an alleged online account application with Wells Fargo to open a checking account. I have a credit freeze on my credit report with all credit bureaus and it is not possible for anyone to open an account in my name. I then received a phone call to my cell phone and then to my home phone from XXXX claiming to be from Wells Fargo about an alleged account in my name. I blocked the number. I do not have any accounts with Wells Fargo, never have, and have not applied nor have I authorized anyone to apply online for a checking account with Wells Fargo on my behalf.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XX/XX/year> Credit Bureau XXXX ( CBA ) XXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Letter & Dispute of Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt associated with Account # XXXX that Credit Bureau XXXX ( CBA ) claims I owe. ** Under the Fair Debt Collection Practices Act ( FDCPA ) 1692c ( c ), I request that you immediately cease and desist all communication with me regarding this matter.

I do not recognize this debt and demand that no further collection attempts be made without proper verification. If CBA believes this debt is valid, I request written proof of the original creditor, a full accounting of the amount owed, and any documentation that confirms my liability. If you are unable to provide such documentation, you must remove this account from my records and cease all collection activity immediately.

Additionally, under my rights provided by the FDCPA, I am requesting that you refrain from reporting this disputed debt to any credit reporting agencies until full validation is completed. If this debt has already been reported, I demand its removal until proper validation is provided.

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm in writing that you have received and will comply with this request.

Sincerely, XXXX XXXX
Product: Checking or savings account

Was a customer of Simple Bank. Parent company, BBVA, transitioned Simple Bank out and made Simple customers BBVA customers. Have not been able to access funds via mobile/online banking since XX/XX/2021 because I have not been able to enroll in online banking or speak with a representative over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX ONEMAIN FINANCIAL accessed my credit file with XXXX XXXX AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX ONEMAIN sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request ONEMAIN FINANCIAL was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX one, and XXXX deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
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. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX I got XXXX timeshares with XXXX XXXX, I became unable to maintain this account and got notice that the properties was going to beforeclosed. And that I had a chance to surrender it, so in XXXX I surrendered the properties back to the resort. Since then I have fought to remove this off my credit report its 10 years later. The originator collector was XXXX and over time they have given this account to different collections agencies and saying that it originated in what ever year it is which is not true so right now it is with Meridian and I have disputed this over and over. Please help me remove this problem, I have all email correspondence from XXXX. Each listing is thousands, how is it if you surrendered it back to the resort years ago that you still are fighting years ago. XXXX XXXX XXXX Last reported XX/XX/XXXX {$2900.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 7 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2500.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX  Opened XX/XX/XXXX ( 2 yrs, 6 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open I only had two timeshares that were surrendered back in XXXX and this is what they keep doing these accounts were originated in XXXX obtained.
Product: Money transfer, virtual currency, or money service

I am fling a complaint against cashpp ( block inc ) doe to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically cashapp failed to take timely an effective measures to prevent an address fruad on their platform, leaving my account vulnerable & unprotected further more their dispute resolution was unfair and deceptive as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience & financial loss and I seek appropriate redress for these violations
Product: Mortgage

Lake view is subservicing for XXXX XXXX. I have a property tax exemption that is on my account with the county assessor. Lake view and XXXX have refused to change the escrow account. They issue refunds once a year but, refuse to refigure the amount due monthly. This month I tried to have the overage of escrow of about {$1800.00} applied to my mortgage for coverage of a payment that was due. They refused to allow me to use the money. I am paying approximately {$160.00} a month too much in escrow and they refuse to recalculate. I had to scream for them to wave the late fee as they transferred the loan to Lakeview and Lakeview processed a payment anyway without authorization. Please refund my {$1800.00} and recalculate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported Macys/XXXX DATE OF INQUIRY XX/XX/2021.