23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had private loans with Access Group since 2001, and I have made payments and remained current on these loans for over 20 years. Access has consistently been deceptive with how they have applied payments- for example using extra payments to apply to interest instead of principal. The first time I was ever late on student loan payments was due to Covid. I am a single mom with XXXX young children, and I was left unemployed and homeschooling my kids for a significant period of time. I was under the impression that I was on a forbearance with Access Group. I attempted to contact Access group and was told that my loans were sold to XXXX -- -- in reality the loans were sold to a predatory collection company - XXXX XXXX -- that has been calling me as well as my family members. I just want my loans to go back to the loan servicer so that I can continue to make my payments- and not in collections which has devastated my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contacted XXXX  and XXXX  on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX  and XXXX  I am overwhelmed and do not know what else to do.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax Please delete the following accounts XXXX XXXX XXXX BAL. {$180.00} XXXX XXXX XXXX BAL. {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX. {$320.00} AND ALL INQUIRIES DEPT OF ED, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 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: Debt collection

I.C System INC Collection XXXX XXXX XXXX XXXX I had closed my account and paid off open balance and phone in person at XXXX XXXX at the XXXX CA store on XXXX XXXX XXXX. I needed to do that before I could open and transfer my phone number to XXXX XXXX. I was using my XXXX service and I received this {$96.00} bill. I called a few times and XXXX did not help me. Once collection called and I called back they were abusive and nasty. I do not owe anything because I was not using heir service. I was using XXXX XXXX 

# 2 debt XXXX XXXX XXXX  charges added because I cancelled my account. 
No one ever called me back
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting

As you can tell from the picture i have enclosed this is an old loan. I bought the vehicle in XX/XX/XXXX, and the loan has continually been on there ever since. The vehicle is long gone. every time i call to dispute this from experian they change the date on it. I have asked them to remove it in XX/XX/XXXX but now it say XX/XX/XXXX? what gives this company the right to keep the original loan from XX/XX/XXXX -XXXX on my report for that long? that is not in compliance with the FCRA is it? 
Date Opened : XX/XX/XXXX & lt ; -- -? 
Date of Status : XX/XX/XXXX & lt ; -- -? 
Reported Since : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Type : Auto Loan Terms : 60 Months thank you for your help in removing this from experian, none of the other credit reporting sites have this on there and have n't XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX I applied for a Merrill Lynch Visa Signature card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account.
Product: Money transfer, virtual currency, or money service

I made a purchase on or about XX/XX/year> through PayPal from a rogue XXXX seller though an online platform. My email address for PayPal purposes = XXXX. The rogue seller advertised the sale of a phablet ( a tablet that also functions as a phone with a SIM card slot ) for the amount that was paid. However, after making the payment, I received a {$0.00} tablet case instead of the phablet I ordered. While tracking number says item was delivered, he delivered item, he actually delivered wrong item- which he does not dispute. 

When I confronted the seller, he initially failed to respond for several weeks, prompting me to file a complaint with PayPal. After the complaint was filed, the seller eventually responded, claiming that new employees had mistakenly sent the wrong item and requested that I cancel the complaint so he could send the correct item. However, after canceling the complaint, the seller did not fulfill his promise to resend the correct product. 

I then reopened the complaint with PayPal and provided additional communications from the seller where he acknowledged sending the wrong item and stated his intention to resend the correct product. Despite this, PayPal refuses to issue a refund, citing an unclear and unconvincing explanation that I neither accept or agree with whatsoever. 

This seller has admitted to sending the wrong item, and yet PayPal is enabling this fraudulent behavior by refusing to take action. The delay in resolving this matter has already wasted more than a month of my time. 

I am requesting a full refund for this fraudulent transaction. I should not have to waste any more time dealing with this issue, especially when the seller has admitted his mistake. 

Please take immediate action to resolve this situation and refund my money.
Product: Money transfer, virtual currency, or money service

Someone else is using my name and information in KY I never lived there and want my info checked out pleade
Product: Debt collection

I received notice dated XX/XX/19 from CMRE Financial Services , Inc for a debt that I was not aware of from some creditor called -XXXX  XXXX , XXXX , which I do not know anything about for a debt in the amount of {$100.00}. or debt. 

I called the number provided - XXXX and provided them an acct #, from the letter - XXXX The lady that I spoke to did not provide her number and asked me for my birthday and/or the last 4 of my SS #. I told her that I was looking to identify what this debt was for, because it did not look familiar. I also told her that I would not provide any information that was not on the letter. She stated that was fine and she hung up on me. 

How would I think this is a legitamite collection agency and/or debt. 

Please look into and advise me.
Product: Debt collection

My name is XXXX. Im trying to know why I was sent to collections. It is from XXXX XXXX XXXX. I had monthly service with them of {$90.00}. Then out of the blue they sent me a bill of {$300.00} so I called them and they said they couldnt help it so I never payed it. And now in collections theyre saying i did not pay 3 months of service or something similar. But the truth is that I dont owe them that. I reached them about it and said they did not have any number to contact them. Now Im just sitting here waiting because they now have it in my record and I cant do some of the stuff I have to do legally. Come on! This is from XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XX/XX/XXXX called XXXX XXXX with me, XXXX & XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/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 me 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 repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Dear CFPB, I am writing to lodge a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. 

On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. The bank 's insistence that this is my fault is unjustifiable. 

Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. 

This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, XXXX
Product: Mortgage

We had our mortgage modified in XX/XX/XXXX. But due to an XXXX we missed our XXXX payment and received notice from our mortgage company we needed to send in XXXX payments by a specific due date. When we saw a problem we contacted via phone and email our dedicated loan specialist and informed her of this problem. When we tried to send the payment in XX/XX/XXXX it could not be sent XXXX XXXX which is the way we always made most of our payments online. We called the mortgage company due to this was the message we received, and where told by a customer service person they would only take just over four thousand dollars. We explained to them that we where awaiting tax return and they mainly told us we had to have this in asap. We received an collection agency letter and contacted them about our situation by fax but they never responded. We continued to reach out to our mortgage company but as of today XX/XX/XXXX they have only sent us notice as to how much we owe. We where seeking a forbearance mainly due to the medical situation, but they have not attempted to assist us in anyway. Our past due just gets higher and higher and they are aware of this and still just seem to not care.
Product: Vehicle loan or lease

I was never given notice that my car would be repossessed. I was never given notice of the date my car would be sold at auction. I was never given notice the amount my car was sold at auction. I was never refunded money for my auto warranty and Gap Insurance. Balance showing is {$15.00} which is incorrect
Product: Mortgage

Selene, asserts that my loan delinquency first began on the date of XX/XX/2016. 
However they received payments from me in the amount of {$1500.00}, which posted on XX/XX/2016. This payment would have covered XX/XX/XXXX and XX/XX/2016. I also posted a payment with Selene in the amount of {$900.00} on XX/XX/2016 and I have the receipt to prove it. I was then instructed by a supervisor named XXXX at the time, to make double payments again in the amount of {$1500.00}, and this " plan '' would bring my account current XX/XX/XXXX. The payment of {$1500.00}, posted on XX/XX/2016. I had even made my payment for XX/XX/XXXX, on XX/XX/2016, via money gram this payment was returned with the others to my surprise. 
However something strange happened during the time I was completing the payment plan. I received a notice that my loan ownership was being transferred to XXXX and the next thing you know ; all of the payments that I had made to Selene were sent back to me. My arrangement was likely broken by XXXX, the alleged new owner which only has interests in foreclosure to my home rather than working with me. The fact that I had a previously outlined agreement in which to bring the loan current shows gross negligence on the part of not only Selene, but also the alleged new owner XXXX. XXXX and Selene, is and has attempted strip my property of all its positive equity and foreclose on my home, illegally. This type of greed and deception has been identified on multiple levels with this matter as well as past case law will provide against Selene and its constituents of cronies. 
Furthermore, per the non-judicial foreclosure process in Texas, it is required that there be a " power of sale clause '' within A paragraph in the mortgage that authorizes the non-judicial foreclosure process is be used. 
There is no " power of sale clause '' within any paragraph of my mortgage, allowing for a non-judicial sale in the event of my default. 
My loan was not 120 days delinquent at the time it was remanded to foreclosure review which is in violation to Texas non-judicial foreclosure procedures. Selene had not applied payments properly which in turn distorted my payment accounting ledger in Selene 's system. 

Furthermore, my loan was referred to a foreclosure attorney on XX/XX/2016, during my regular communication with Selene. I received no default notice of any kind from the alleged foreclosing attorney XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I have not received a 30 day breach letter in pursuant to the terms of the deed of trust and XXXX XXXX XXXX, has violated all forms of precursory events required by law, prior to auction sale can occur. 
I demand and implore your agency to place an " automatic stay of execution of sale '' to my home based on the violations outlined within. I 'm prepared to file federal civil litigation action as well as a temporary injunction order, to fight this heinous abusive behavior of my predators. Selene, XXXX and XXXX XXXX XXXX, will pay for their transgressions and will be held accountable for what they 've done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing fraudulent inquiries to be furnished on my consumer credit report. I've demanded valid proof of such inquiries and Experian has failed to supply me need information. They are violating me as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ] The inquiry was made by [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX. According to my records, I did not initiate any transaction or authorize [ XXXX ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Product: Credit card

I received a Current credit card that I have never applied for. Contacted the company to let them know and asked to be provided more information but they responded that I needed a warrant, subpoena, or other formal law enforcement request. Now I am worried that somebody has stolen my identity but this company wont do nothing to help the person affected ( me ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and  XXXX  because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home in XXXX, Oklahoma and I authorized a Hard Pull from the mortgage broker I was dealing with. And then on XX/XX/2021, Credit Carma emailed me and told me that I have 14 ( two weeks ) to get other quotes from lenders and that it would not affect my credit score. So I ended up getting another quote from another Lender a few days later. And then I got notified today on XX/XX/2021 that my credit score went down over 21 points with XXXX. And it is probably going to go down with the other bureaus as well. My score is now around XXXX and it should be a lot higher around XXXX like it was before. I uploaded the email that they sent me. But I should not be penalized for this and I want why credit score points back. It was false advertised. And we are still within the 14 day window, so my score never should have been lowered.