23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEBT RECOVERY SOLUTIONS : Why does this name not surprise me to see them on my credit report once again. 

I have fought with them and bickered with these rude people everytime I have tried to call them. I have explained to them this debt is not mine, I do not have knowledge of this debt, But these people can not seem to get it through their heads. 

It seems that if this mess can not be resolved then I have no choice but to involve this matter in litigation and tie this matter up in court for the foreseeable future.
Product: Credit reporting

XXXX foreclosed on our house XXXX XXXX. XXXX delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the XXXX delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX.
Product: Debt collection

I am trying to get Capital One to correct the reporting on my Credit Report. I have attached proof that shows that I was not late on the months that are marked as late on my Credit Report. I am requesting that this Bank Error be corrected. I have sent disputes in to the credit bureaus but they told me to contact the Data Furnisher, Capital One. Please communicate in writing only. No phone calls.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
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 XXXX  XXXX, XXXX XXXX XXXX, MO XXXX XXXX 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 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 Any 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The collection company XXXX XXXX on behalf of XXXX XXXX charged my atm card {$540.00} completely out of the blue without my written or verbal authorization on XX/XX/XXXX. The charges they claimed were coming from training sessions I got almost a year ago in the early summer of XXXX which I came in to cancel and settle up on almost 6 months ago. I spoke to both the trainer and the regional manager who informed me that it would be cancelled, the balance was settled and I would no longer be charged for anything. Recently I came into the establishment and asked XXXX at the front desk if there were any outstanding charges that needed to be paid. Just in case. He informed me there was no balance whatsoever. I also spoke to XXXX the previous regional manager the exact same question and he gave me the same response as well. No balance. I even asked my trainer XXXX who told me that I dont owe anything on the training sessions from last year. They all basically told me the same thing. There is absolutely no balance. Now I go to charge my card this afternoon and find out there's almost 550 dollars missing. Once I noticed these astronomical charges to my XXXX XXXX account from XXXX and XXXX XXXX I immediately called the store on XXXX XXXX and spoke to XXXX the manager who said that now all of a sudden there was an outstanding balance. I told him I already had this cancelled and settled up on a long time ago because I never came in to redeem or use any sessions. It was pointless to keep paying so I cancelled my subscription a long time ago. I spoke to 2 different people who informed me that it was in fact cancelled. He said that they were wrong I owed money. Now it seems they just decided that they were going to start another subscription and charge me for something new i didnt agree to without any prior notification when I asked if there was anything past due on my account numerous times with all different people. It's either these people are totally incompetent or are clearly trying to take advantage of someone. This situation has now put in a serious financial hardship because they basically cleaned out my XXXX XXXX  checking account and I am unable to pay my other bills. I didnt agree to these terms and the sessions I once had were cancelled almost a year ago. I am disgusted by this company 's level of professionalism and uninformed staff. They have clearly taken advantage of the situation and have violated my rights as a consumer by not producing or sending any printed bill or invoice to my billing address or in person that clearly states the amount that was owed at least 14 days before said due date. I was never notified, only charged, and that is in clear violation of the law and sits in the realm of unethical business practices.
Product: Debt collection

I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. XXXX XXXX  is one of nine creditors that I have personally committed to repaying. XXXX XXXX and another creditor are the last two credit cards left. XXXX XXXX received payments before I was served a summons by Mandarich Law Group. I was surprised to receive a lawsuit in the mail. 

I rendered payments to XXXX XXXX  to satisfy my debt. In the midst of a series of payments to XXXX XXXX. Mandarich Law Group, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX Mandarich Law Group acknowledged that I sent payments for the debt. I mailed a letter to Mandarich Law Group dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to Mandarich Law Group- a debt collector, XXXX XXXX mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. 

Nevertheless, Mandarich Law Group, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed Mandarich Law Group, a debt collector, of the misrepresented amount. Each time Mandarich Law Group, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe XXXX XXXX and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If Mandarich Law Group, a debt collector, is representing XXXX XXXX, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. 

This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. 

I request {$480000.00} in damages of {$1000.00} for each occurrence of Mandarich Law Group, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. 

The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises seruous concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXX RUE XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a XXXX XXXX account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
Product: Student loan

My current student debt is consolidated with Mohela where my total balance is roughly $ XXXX and I have been on the SAVE plan since XXXX when I had graduated from XXXX  school. Since the jurisdiction of the plan on XX/XX/XXXX my plan has been on forbearance and interest has not been accumulating, I had recertified my income to continue being on the SAVE plan since I am not in the place to be able to afford Standard repayment and other income driven plans ( ex : PAYE ) are not available. 

Despite being on an " interest-free '' forbearance, my account has been accumulating interest around XXXX. Calling Mohela has been challenging as I work long hours and when I am not working, I am preparing for an XXXX XXXX XXXX for my XXXX XXXX and so I find it difficult to be on hold for 3 or 4 hour at a time only to have a staff member not provide information or even know why this is happening to my account. My biggest confusion is if Mohela is currently not processing IBR applications why is it that my account is acting as if my IBR application is processed? 

This has not only put immense stress about my student loans but also frustration in that no one seems to have an answer.
Product: Checking or savings account

USAA will not allow my husband nor I to log in to our account. It continuously claims to be unavailable then circles back to the login/logon screen. We attempted to ask to speak to customer service but they refuse, claiming they need our login credentials in spite this being a login technical error. 

They will not allow us to speak to technical nor anyone. Yet, because of the insane login logon circle we are trapped in, we can't access our account as we could a month ago. 

Because of this circle of details questions that we might only be able to answer a few, we are not allowed to speak to ANYONE who might be able to assist. This issue is a bad circular nightmare. In the mean time, we can't manage our accounts.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4400.00} XXXX XXXXXXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXXXXXX Balance Owed : {$0.00XXXX  XXXX  XXXX XXXX Balance Owed : {$16000.00} XXXX  XXXX XXXX Balance Owed : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a delquient account which is false because I never got the item they billing me for and XXXX  XXXX account was deleted for fraud and reappeared I attached police report for XXXX  XXXX fraud and email from XXXX XXXX saying they understand I didnt get my item but I still got ta pay which is fraudulent who pays or billed for something the company no I didnt get
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or XXXX XXXXompensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Product: Checking or savings account

On or about XX/XX/2020 I opened a capital one performance savings account. At the time of opening the account capital one had a promotion where if I opened the account and deposited new money then I would receive a bonus ( I think it was {$150.00} for ever $ XXXX ). The promotion was not automatically applied to my account. I then called a capital one rep and the rep advised me that : I do qualify for the promotion and that I should continue to deposit my money in the account. I was told that I should call capital one at the end of XX/XX/2020 so that another rep can manually apply the promotion funds to my account. I deposited over XXXX in new money into the account per the promotion terms. I then I called capital one on XX/XX/2020 and spoke to XXXX ( employee ID XXXX ). XXXX  told me that She sees the notes from the prior rep and said that the prior rep was wrong and I do not qualify for the promotion. I told her I fulfilled all terms and  she said I did not. I then asked her to provide me with an email or written doc as to what the terms are. She said she could not provide me with any additional information. She said that I should have gotten an email about the terms at the time of opening the account but I told her I did not and explained to her that the promotion code was not applied initially which is why the email did not go through so I dont know what she is talking about or referring to. I then asked her to read me the notes that the initial rep had placed in my account to confirm that I qualify and she said that she would not read it to me nor provide me with the promotion code that is annotated on my account and that was supposed to apply to my account. It is ridiculous that the bank is withholding information about my own account and now the bank is trying to avoid paying the promotion fee when I complied and made my desposits as required by the promotion and the initial rep. Attached is a pic of the new money deposit I made at the time the account was opened.
Product: Mortgage

I have a loan with ARC mortgage. I make my payments on time every month. For the month of XXXX I made my payment on XX/XX/XXXX through online banking with my bank. They received and cashed the  check from my bank on XXXX. They never put the payment to my account. This has happen 11 times in the past 2 years. I pride my self on my high credit score any they are putting this in jeopardy, because someone is not doing their job over there. As of XX/XX/20 this still has not been resolved. Attached is the cashed check for the month of XXXX. Also attached is my payment history with my loan showing all the times they XXXX  up on my payments.
Product: Mortgage

I have not been able to get the mortgage company ( Fay Servicing ) to pay my Abatement Contractor. The work by them is complete and the mortgage company has had the funds for 2 months now. The contractor is getting ready to send us to collections and have added interest to the amount owed. I have been on the phone at least once a week with my mortgage company and have only been told it is in review or they need to inspect the work, but have not set up an inspection date.