23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been in foreclosure procedeing since  XXXX  including   XXXX    court cases, last  XXXX  mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to  XXXX  which refused to accept payments covering my P & I plus escrow.
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  XXXX   XXXX  ,  XXXX  OH court cases as follows :  XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   VS   XXXX   XXXX     XXXX   XXXX   XXXX   VS   XXXX    Current attorney for new lender is   XXXX   XXXX  , LSR #  XXXX , (  XXXX  )  XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted  XXXX  on  XX/XX/XXXX  to discuss options for my home on   XXXX   XXXX   XXXX   ,  XXXX , OH   XXXX   in which I occupy.
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I since followed up with several emails to   XXXX   ( last 2 emails ) XX/XX/XXXX , &  XX/XX/XXXX  which are still are yet answered.
Product: Credit card or prepaid card

I was given a vanilla gift card. I checked the balance on their web site and found out that {$490.00} of the {$500.00} dolls were already used aXXXX XXXX XXXX 
I called the company right a way. They said they put a hold on the card but I would have to call back a week later to see if they got the transaction stopped. 
I called back on XX/XX/22 they said the money had been spent. I would need to fill out and send back a form. I sent back the form. 
This company has stolen {$500.00} dollars from me. Please help.
Product: Debt collection

First off, this is regards to XXXX XXXX XXXX Business phonenplan with XXXX- They have renamed the account to my personal company. Two very different XXXX # XXXX It's XXXX 
They also notified amshercollections AL OFFICE Stating I was responsible for XXXX $ in debt for un returned equipment. That I have receipts for and returned in store then verified the information with. Store clerk. This past week not only did they lie and were notified numerous times about the misrepresentation of the falsely claimed owed debt but the equipment wad returned in XXXX on the XXXX of 2023. And they claimed they didn't have it. I have returned each mobile internet tower that CAN NOT BE USED without their service what purpose would I have to keep the non functional equipment. 

This past week on Saturday I went to XXXX. The woman ont the phone at XXXX would not help me if I went in to the store to verify who I was!!!! They also, then never spoke to me again. They are running from the false claim of debt owed to the company. It's ridiculous they at the collections agency pretty much told me to XXXX XXXX we validated the debt. They have literally charged me thousands for equipment that that acount was CLOSED & UNUSED. CLAIMS OF USAGE, & EQUILMENT LOSSS! THEY ARE LYING. it's affect my credit in the tune of XXXX points I lost because of it. They are not cooperating. They refused to removed the debt. EVEN WITH PROOF
Product: Student loan

I have been trying to find out from Navient what are all my options in regards to paying my private student loan. For the past year they have been constantly keeping back information. Recently I have been going through some financial difficulties and could not afford to make payments. I was offered the hardship deferment option, but it costs {$50.00} just for 3 months. I have been dealing with the rudest person, XXXX, at Navient that all she knows to do is make threats towards and me and my family if I do n't pay ... .stating that she will make sure to put us out on the streets. Recently I have received some letters from Navient stating that now there are more options and that I need to call them. Every time I call I only get XXXX and she states that there are no options that would apply to me ( not even the ones listed on the letter ), even though on the letter it has my loan #. After many days of calling, I was able to speak to someone else, XXXX, and she was nice enough to share more options that are available, though she said there are more but I need to be in a different financial position for her to share them with me. After few minutes of conversation, she states that she needs to transfer me back to XXXX. Once transferred to XXXX, she starts yelling at me to pay up or she will make sure to escalate the matter and have an attorney 's office come after me. After I tell her I spoke to XXXX about some other options, ( like 1 % interest, late fee waiver ) all of a sudden she remembered that these option are available to me too. As I probe more and share more and more of what XXXX shared as being my options and what the letter states, XXXX starts to recollect the options as well. When pushing to find out what other options I have she starts screaming that I need to pay or she will make sure to have an attorney come after me and then she hung up. I want to know what are ALL my options and not have threats agains me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : TRANSUNION, XXXX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
Transunion, XXXX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.
Product: Debt collection

Transworld systems Inc called my husband on XX/XX/year> at XXXX XXXX  regarding a debit in my name. They told him they where collecting debit, the amount to be collected, the fact it was from the XXXX XXXX and even that it was regarding our daughter. He is not listed on this debit nor on my XXXX XXXX. I did not give them any permission to disclose any of this information. This is a blatant violation of FDCPA law. This it unacceptable. What if I had taken my daughter to get a XXXX  done of a sensitive matter that we didn't want my husband to know about. He now has enough information to ask what the bill was for and why we went to the XXXX  and to question myself and my daughter over the metter. I am beyond upset at this violation and believe this company need to be held liable for breaking the law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately, They informed me that recovering lost funds was impossible and tracking these was unfeasible. 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 concerns about consumers safety.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute multiple inaccurate and unverified collection accounts that are currently listed on my credit report. After reviewing my credit report, I have identified several accounts that I believe are being reported incorrectly and that I suspect are not substantiated by proper documentation. 
The accounts in question are as follows : XXXX XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2300.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$860.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$7300.00} Date Opened/ Reported : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2700.00} Date Opened/ Reported : XX/XX/XXXX I am requesting that you validate the accuracy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., which mandates that all information provided to credit bureaus be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that you cease reporting any disputed debts until proper validation and verification are provided. 
As part of my dispute, I am requesting that you provide the following documentation for each of the disputed accounts : 1The name and contact information of the original creditor for each debt. 
2The amount owed, the date the debt was incurred, and any payments made toward the debt. 
3The specific method and date by which each debt was verified as accurate.

4Any written evidence or documentation supporting the existence of the debt.

5Proof that the collection agency or creditor has the legal right to report the debt to the credit bureaus. 
If you are unable to provide sufficient verification for any of the disputed accounts, I request that you remove or update the information accordingly. Failure to validate and substantiate the debt as required by law should result in the immediate removal of these accounts from my credit report. 
Please treat this letter as a formal dispute of the accuracy of these collection accounts. As stipulated in the FCRA, I expect a response within 30 days of your receipt of this letter. If you are unable to verify the information, I request that the accounts be removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}
Product: Credit reporting or other personal consumer reports

i currently have XXXX variations of my address on my account. I only have XXXX address. Also, there are XXXX variations of my name. I only have and have ever uses XXXX name.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. I have a Kohls credit card. Have spent thousands before. Im XXXX a XXXX  soon. I decided to pay off debt. On XX/XX/XXXX I made a payment of XXXX to pay off my credit card. I didnt realize my bank would probably not let this payment through as a fraud prevention the amount was to large. I did not receive a confirmation email either. So I assumed it did not go through. So I made two more payments to break the large payment up. Those two payments were XXXX $ and XXXX . All three of these payments processed! I immediately contacted kohls customer support on XX/XX/XXXX. Requesting the XXXX be refunded to me in order to pay my personal bills. I explained it was a mistake. They told me it would take 7-10 business days for a check to arrive. They told me they could not electronically give it back! I patiently waited. The third week of XXXX I had called again with my husband. I called again. This agent told me it would be up to 14 business days. Still no check. I called again.This agent told me it would be up to 14 business days from the date of processed. They claimed it processed on XX/XX/XXXX. Might I add is a Sunday. How they have until XX/XX/XXXX to get me my check. I called again on XX/XX/XXXX to check on this again. This agent said they have until XX/XX/XXXX to get me my check. I demanded a supervisor. They kept telling me their supervisor is in a meeting. I said Ill wait and demanded to speak with one immediately. At this point after all the phone calls Ive spent at least 5 hours on the phone with customer service in a month. After waiting 50 minutes I got a supervisor. He swore to me my check would be here by XX/XX/XXXX. It is now XX/XX/XXXX I still have no check. This is almost a XXXX  of money and two months almost has gone by. Please help me! Here is my cell XXXX. I am XXXX XXXX XXXX  and this process has been extremely hard on me!
Product: Money transfer, virtual currency, or money service

A consumer service representative ( CSR ) provided misleading or incorrect information that caused my account to be overdrawing. The information provided by the CSR caused checked to be cashed that caused my account to be overdrawing. This act is and has the potential to effect my government security clearance and potential of losing my job.

USAA has not been helpful and there ( CSR ) caused the problem.
Product: Vehicle loan or lease

This is the 3rd complaint and the company just refuses to fix my issue and blames for not paying a bill I can not pay. I have called and called and no one knows whats going on nor can any fix their broken system and I am being punished for it. Please step in and force Ally to immediately fix the pay system so I can make payments. They are forcing me to pay a fee each time I call because their system does not work for me via app or internet
Product: Mortgage

This has been going on for over 3 months. My home was demolished for reconstruction. 
My insurance dropped because there is no home. My mortgage customer service says to contact insurance, and insurance says to contact customer service. Their insurance department first asked for demolition papers and permits. A month later, XXXX XXXX XXXX. I have provided all of these documents to their insurance department and it still has not been corrected. Now, they are trying to make me pay for their private insurance. I would like them to update the documents and status and reimburse the money they took out of escrow. Before I pay for the incorrect amount due in XXXX PPH Mortgage and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has not given me the correct information in order for me to stay current. There is an annual fee of {$150.00} due by the month of XXXX. I was not aware, and in XXXX of XXXX they took my monthly payment and assessed it towards the Annual Fee which left me behind monthly for more than 6 months. They reported me 30 days late as XX/XX/XXXX causing my score to drop XXXX points. They're trying to say its because of XX/XX/XXXX, but the error is lingering from my XX/XX/XXXX payment when they took the annual fee that had not been paid in XX/XX/XXXX, leaving the rest to unfulfill the monthly that was actually due.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( Experinan, XXXX, XXXX  ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Product: Mortgage

Following a transfer of my mortgage to RoundPoint mortgage from XXXX XXXX XXXX, RoundPoint Mortgage 's took an excessively long turnaround time to remit payment of my flood insurance policy to my insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX despite being contacted multiple times by email, fax and mail. XXXX XXXX contacted RoundPoint Mortgage by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies. Due to the excessive delays, the net increase cost for the policy was {$1300.00}. This was due both to their inability to properly receive transfer of my mortgage and their excessively long time to remit payment to my flood insurance company, despite multiple, documented attempts via email, phone and fax. I am demanding RoundPoint mortgage cover the full {$1300.00} difference due to their failure to properly transfer my mortgage and handle their requisite responsibilities. 

Full timeline : XX/XX/XXXX : Mortgage transferred to RoundPoint from XXXX XX/XX/XXXX : through XX/XX/XXXX : RoundPoint failed to transfer policy information from XXXX XX/XX/XXXX : 53 days after transferring my mortgage, RoundPoint mortgage contacts my insurance company to retrieve policy information XX/XX/XXXX : Homeowner and Flood policies were amended by XXXX XXXX to reflect RoundPoint as the new mortgage servicer. 

XX/XX/XXXX : A copy of the expiring flood policy and flood renewal bill were uploaded to RoundPoint Mortgage with instructions for the bank to remit payment directly to XXXX XXXX XXXX. 

XX/XX/XXXX : XXXX XXXX received a voice mail message from XXXX at RoundPoint Mortgage acknowledging receipt of the flood bill for the XXXX to XXXX term and requesting verification if the payment was still due. 

XX/XX/XXXX : Once again, XXXX contacted RoundPoint Mortgage and verbally confirmed with them to remit payment immediately to XXXX XXXX. Another copy of the bill was faxed to RoundPoint Mortgage per their request. The check for {$690.00} was not received by XXXX XXXX until XX/XX/XXXX which is outside the grace period. 

XX/XX/XXXX : XXXX contacted me explaining that RoundPoint 's multiple failures and delays throughout this process, despite being contacted multiple times both by phone and email, resulted in the grace period expiring and a re-write of the policy being required. As required by FEMA, the new flood rating methodology that became effective for all FEMA flood policies resulted in the same policy increasing from {$690.00} to {$2000.00}. 

XXXX XXXX contacted RoundPoint Mortgage multiple times by mail, email, and fax regarding the expiring flood policy and they were well aware of the time constraints with renewal premium payments for FEMA flood policies.
Product: Credit reporting or other personal consumer reports

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus.

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft.

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score.

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate.

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.