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

This is in to ref # XXXX my XXXX complaint against Equifax filed with you XXXX XXXX. On XXXX XXXX, XXXX Equifax choose to contact me ( consumer ) instead of reporting to you ; sending me an email of a investigation ( basically no changes to my report ; attachment ), when in fact I did not contact them ; I contacted The CFPB. Then to add salt, Equifax waits till the deadline to request an additional 30 days to reinvestigate. 
It appears to me someone is playing games. Especially, enlighten of this security breach of information cover-up.
Product: Credit card

I called XX/XX/24 @ XXXX XXXX  to schedule a payment for the next business day. Today, XX/XX/24 I received an email stating that my payment was late and that I had a late fee. 

I filed a complaint on XXXX with you reporting that this would likely occur. I kept asking on XXXX if this payment was made and received no reply and stated that the last payment was on time with the report from a supervisor that the late fee from XX/XX/24 would be waived. 

This is First Access attempting to keep this account open in order to collect fees as evidenced by : I paid on time XX/XX/24 and was told that the late fee was waived - see recording from call, I called the day prior to the due date this month ( XXXX ) to pay and and set up a payment as agreed yet they continue to add late fees ( {$50.00} ) in order to keep this account open when I closed it at this interest rate. 

I only want to pay off the balance without being subjected to these abuses. My complaint from XXXX shows that I anticipated this attempt to collect more money. This is bad faith. My balance is getting near XXXX and these attempts are increasing. Can you help me?
Product: Mortgage

I have a usda loan through us bank I took the forbearance out from XXXX through XXXX do to Covid hardship ( jobless  ) my hardship has been resolved I have been reaching out to us bank loss mitigation Dept x3-4 a week everytime I call I get a different agent and mind u a wait hold of just about a hour all I am trying to do is get options so I can get back on track I have been making my house payments since forbearance had ended XX/XX/XXXX I started making my payments I have been living in my home I can afford my house payment I have summited 3 different application ( loss mitigation ) and when I call to find out the status I get told something different why am I being treated like this all I want is payment options for the missed payments do to Covid ( forbearance ) its so frustrating and its affecting my daily life why I am getting pushed around and missed treated! Help me solve this so I can be back on track
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is UNLICENSED as a debt collector in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 Florida Statue 559.553 states Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555. I am a resident of Florida and currently my rights are being violated. I have attached my drivers license and utility bill as proof of residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) 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, credit repair services, or other personal consumer reports

XXXX continues to report my information to the credit buro as Foreclosure proceedings started to Experian into the month of XXXX. 

I sent a letter to the credit buro asking for recognition of foreclosure rescinded, including court print out and this has been ignored and XXXX has confirmed inaccurate information bringing yet further damages to my well being and financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan with XXXX on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on XXXX payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.
Product: Student loan

On XXXX XX/XX/2022, I submitted a refund request for the loan payments I made after the XXXX student loan payment pause. I was initially informed it would be XXXX to XXXX weeks for processing. After XXXX weeks, I called to check on the repayment and was informed it would be now XXXX to XXXX weeks for processing. I asked to check on my status and was informed that they would have to transfer me. Then the phone hung up. After XXXX weeks had passed, I called to ask what the status was and they informed me that it could be more than XXXX weeks. I asked to get more details on my refund status and again was told that they would have to transfer me. Again, the phone hung up. I called back and asked to get my details. Yet again, they transferred me where the call ended. I called again and told them that I want to talk to a supervisor. I was told that they would transfer me to an account XXXX and just hold. This time it was successful. 

The account XXXX provided conflicting information. She said that she could confirm that the request was sent to the Department of Education on XXXX XXXX and that there is nothing else they are involved with. The account XXXX informed me that she heard that the Department of Education is now sending them out in the mail. And then asked to confirm my address. I asked why does she need me to confirm my address if there is nothing more on their end is to be done with the refund. I asked her to provide documentation on payments being only made via mailed checks and told her that I was always informed that it would be deposited in the checking account that I used to make the payments. I did not receive any documentation substantiating her claims. 

It took XXXX tries to reach an " account XXXX, '' and only after requesting to speak to a representative. All the previous times they literally hung up on me after telling me that they would transfer me. When I asked for a direct number to an account XXXX early on in my calls, I called a number and it went straight to either voicemail or non-functioning number ( can't remember which, but the result was the same -- no help ). And they continually increased the time range for receiving my refund. And this was only after I called to ask. And then tell me things that they were unwilling to provide written documentation to back up their claims.
Product: Mortgage

This complaint is being submitted on behalf of the mortgage borrower by his authorized housing advocate. The attached Qualified Written Request ( QWR ) dated XX/XX/XXXX was mailed to Shellpoint Mortgage Servicing, a division of Newrez ( Shellpoint ), on my behalf. Shellpoint did not acknowledge receiving the QWR within five ( 5 ) business days nor did it provide a response within thirty ( 30 ) business days. The total dismissal of the QWR is a clear violation of the Real Estate Settlement Procedures Act ( RESPA ) 1024.36 Requests for information. 

The second attached QWR dated XX/XX/XXXX was mailed to Shellpoint via certified mail. The U.S.P.S. tracking number XXXX confirms it was delivered on Tuesday, XX/XX/XXXX at XXXXXXXX XXXX. Shellpoint sent me an acknowledgement correspondence on XXXX, XXXX, XXXX. Shellpoint has not provided a response to the QWR, again failing to comply with RESPA 1024.36 Requests for information. My housing advocate had a separate case where Shellpoint also failed to respond to that clients QWR. This potential pattern of practice is concerning.
Product: Money transfer, virtual currency, or money service

An account with Chime was opened in my name. They even sent me a debit card. Whenever I call to speak with someone and explain that I never opened an account, I can never get a live person. Its always automated. And there isnt an option for fraud activity.
Product: Debt collection

On or about XX/XX/year> I received information on my phone stating I had a new debt collection on my credit report. This information was from XXXX XXXX and it stated the collection agency was Vance & Huffman. So I looked up the phone number, to the company and called. I tried to explain to them that I didn't understand the nature of business we had with one another. When they verified who I was, they stated they were the new owners of a so called prior debt that they accused me of. I told them I didn't know what they were talking about and I have no collections on my report because I pay all my bills on time and no late payments. I also informed them we have no business contract of any kind between the both of us. They were also informed they have ruined my credit. When I informed them I would be reporting this debt to the CFPB and other 's they became very rude and obnoxious. When transferred to the manager, it became worse .... I stated my concerns and informed him what I said to the previous individual and he became very loud and did not want me to say much of anything. We kept going back and forth and I informed him several times they had up until noon the next day to remove themselves from my credit report or else I would report them and file suit. I informed them I was attaching a debt validation letter to this complaint and they started rambling about some old bills they have as proof. I told them I didn't know anything about those and that's not a validation of the debt and doesn't show proof I have any business with them or a legal obligation to pay them any money. They also accused me of being rude and threatening to them. I informed them I was not threatening them just stating facts. I don't understand how they figure it's okay for them to ruin your credit and you are suppose to be happy? Not to mention they are using an old address that I have not lived at in over XXXX  years. I'm in an entire different state.
Product: Money transfer, virtual currency, or money service

XXXX XXXX In view of the recent CFPB case that brought to light serious problems with the platform, I am to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to protect customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to frauds, according to the CFPB 's findings. Consumer safety is seriously threatened by the inexcusable lack of transparency and accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX XXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted Experian to resolve this over the phone after the collections agency sent me a letter confirming the deletion. Experian said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. Experian 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. Experian wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME
Product: Debt or credit management

Lexington Law showed up during an online search. I put my information in and they contacted me and made lots of promises. Reluctantly, but, figuring what choice do I have, I gave them all of of my accounts, social security number ect. And every month for almost 3 years I waited for an adjustment to my credit report. I would call and the representative would say just hold on a change is coming. My payments were deducted automatically from my account. When I was finally DONE with them they of course questioned why and made it difficult to disconnect my services. But we finally did.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

For the first time a '' Memorandum of costs after judgment of accured interest '' dated  XX/XX/XXXX  was mailed to my old address from  Persolve LLC  case #  XXXX   XXXX  Courthouse?! It was a long time before I could find any case info because the website indicates  XXXX   XXXX  Courthouse not  XXXX . I was shocked to find out this Company filed summons  XX/XX/XXXX , got judgment in     XX/XX/XXXX .  I was never informed, called, served or anything mailed to me for 7 years!!!!   This  Company filed Writ of Execution  to  XXXX  County  XX/XX/XXXX . In  XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption  XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this  Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am  XXXX . My only income is from  XXXX . I am a   XXXX   XXXX   XXXX  . How can they do this to me? It is hard to deal with day to day suffering from my illness.   BUT THEY MANAGED TO STEAL MY MONEY. I have court on  XXXX  because Persolve filed notice of opposition to claim of exemption???? I have contacted  XXXX ,  XXXX   XXXX  and  XXXX  they have no records of any negative accounts. It is deceptive collection practices and misleading the  Court, The Judge, The Law  and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.
Product: Debt collection

I have disputed the charges on my credit report by Amerifinancial solutions LLC with all Ameri financial solutions LLC and all3 credit bureaus XXXX XXXX, XXXX, XXXX, numerous times. The first time I asked for verification of the debt being mine, they sent me typed up invoices claiming to be from my original provider. This one had only two amounts on their reply. I disputed again because the two accounts have the same amount of {$1000.00}. I said they were duplicate accounts and to remove them from my credit report they replied with the above reference to accounts our emergency room physician bill as the facility hospital and physician provider XXXX separately attached to service details for each account, which should enable you to understand the nature of services rendered and to ask why I thought the amounts were wrong. Those again are just typed up on the computer their computer you can tell because my name is different than what my provider uses. Its meant to look like the original invoices, but its not you can tell and after seeing that I did a lot of digging and its taking me a while, but I found it one I have never been billed for the date of service of XX/XX/year> from my original provider. I have the original invoices from my original provider, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I also have Amerifinancial solutions LLC replies to my disputes. I also have paid invoices from my original provider, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing that I, the patient, paid along with insurance. When I disputed the amount were wrong, they reply was the balance indicated on the statement of accounts may show XXXX because the account balance has been adjusted to our office XXXX XXXX  has confirmed that are with our client. The debt is due and owing at the time I had a {$66.00} balance which has since been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found several accounts that were not mine. I am not sure if my information was stolen but I reached out to the credit bureaus and even the companies that were not mine but with no luck. I wrote letters and submitted documents to prove the accounts were not mine but the accounts are remaining. I also filed a complaint with the Federal Trade Commission but I am getting no resolution. I am listing the accounts below Account : Dates : Amount : Account : Dates : Amount : Account : Dates : Amount : Account : XXXX XXXX Dates:XXXX Amount : {$720.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$1500.00} Account : XXXX XXXX   Dates:XX/XX/XXXX Amount : {$8700.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount : {$100.00} Account : XXXX   Dates:XX/XX/XXXXAmount : {$30000.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount XXXX {$29000.00} Account : XXXX XXXX   Dates:XX/XX/XXXX Amount : {$40000.00} Account:XXXX XXXX XXXX XXXX   Dates:XX/XX/XXXXAmount : {$1500.00} Account:XXXX XXXX   XXXX XXXX XXXX XXXX  Dates:XX/XX/XXXX Amount : {$12000.00} Account : Dates XXXX Amount :