23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom it XXXX concern ; In XXXX, XXXX, XXXX and XXXX of XXXX I called Resurgent Capital Services to obtain a payoff letter. The payoff letter is for a XXXX XXXX # ending... XXXX that was paid through XXXX XXXX as a judgement and was paid in full. This document is critical to my mortgage loan originator license. I can not renew or apply for any new licenses without this document. I have several state licenses pending since the beginning of this process with Resurgent and it is impacting my employment productivity and income. I have potentially lost thousands of dollars in income because of this debacle. 

On my first call to request a copy of the account the agent confirmed the account paid in full and told me that they would send a letter in the mail in 5-7 business days. That letter never arrived. 

I called back 2 weeks later to inquire, and a new customer service rep stated that it was sent to the wrong address, my old address on XXXX in XXXX, MI. The agent confirmed my current address and advised me they would send out another letter and should arrive in XXXX business days. 

I called the company back several weeks later because I still hadn't received the letter. Again, a new agent. They confirmed my account and told me that the letter was not sent because it had to go through a different process because the account was a judgement. They said that the judgement process was clear and would send a new letter which would arrive in 5-7 business days. The previous agents flat out lied about them being sent because they could not send without going through the judgement process first. 

Several weeks passed and on XX/XX/XXXX, I called the company back again because I didn't receive the letter. A new agent confirmed my account and stated that the letter was sent, and I should have received it. I informed them that I had not received the letter. She stated that she would send another letter and it would be in the mail in 5-7 business days. 

I called today XX/XX/XXXX, to inquire about the payoff letter and file a complaint because I still have not received it. At this point it has been several months since I first inquired about the payoff letter. The first agent told me that all they can do is send it by mail. It must me a script they can not deviate from because they all say the exact same thing. I asked for a manager and when she came on, I asked to be transferred to a higher level of management or complaints department. The call was disconnected. I called back and got another new agent confirmed my information and asked for a manager which happened to be a senior rep not a manager. She told me that no managers were available and that I would have to call back. She stated that she can not file a complaint, send me to someone else to file a complaint, a manager could not call me back, they can not send anything electronically and they could send it via mail, and it would take another 5-7 days. I requested to send the letter and will follow up again when time allows. I still do not have a resolution.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern, I am writing to notify Experian that I am a victim of identity theft, which may have resulted from a data breach. Fraudulent accounts have been opened in my name without my authorization.

Pursuant to 15 USC 1681c-2 ( a ), I request that the following accounts be permanently blocked and deleted from my credit file : XXXX. XXXX XXXX XXXX - {$11000.00} XXXX. XXXX XXXX - {$11000.00} XXXX. XXXX XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - {$10000.00} XXXX. XXXX XXXX  XXXX - {$31000.00} XXXX. XXXX XXXX  XXXX XXXX - {$14000.00} XXXX. XXXX XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - {$40000.00} XXXX. XXXX XXXX XXXX XXXX - {$38000.00} XXXX. XXXX XXXX XXXX- {$58000.00} XXXX. XXXX XXXX XXXX XXXX  - {$2800.00} XXXX. XXXX XXXX- {$4600.00} XXXX. XXXX XXXX- {$1400.00} XXXX. XXXX XXXX XXXX XXXX - {$1300.00} XXXX. XXXX XXXX- {$27000.00} XXXX. XXXX XXXX XXXX - {$2300.00} XXXX. XXXX XXXX  XXXX - {$1400.00} XXXX XXXX XXXX XXXX - {$76.00} XXXX. XXXX XXXX  XXXX - {$790.00} XXXX. XXXX XXXXXXXX XXXX- {$2800.00} XXXX. XXXX XXXX XXXX - {$1300.00} In accordance with 15 USC 1681c-2 ( a ), I am providing the following documentation to support my request : A copy of my government-issued ID. 
Proof of my address ( utility bill or similar ). 
A copy of my FTC Identity Theft Affidavit or police report XXXX and proof of the data breach i have atttached inside here also
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified and alerted by credit bureau XXXX that XXXX requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19 @ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19 @ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/19 @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19 after I spoke with him at XXXX he said he had sent a correction letter to XXXX XXXX  and XXXX but today XX/XX/19 @ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from Guaranteed Rate or XXXX for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.
Product: Student loan

Heartland XXXX proctors my student loan from the University of XXXX. They are supposed to send me quarterly statements for me to return payment via check. They frequently fail to send out statements ( 3 times in past year ) and then require me to submit payment through their website and pay a  convenience fee, or pay a late fee to pay by check. I have called monthly to discuss with the company, and I believe that Heartlands XXXX is deliberately obstructing my ability to pay via check in order to force me into an alternative payment method that they charge additional fees for.
Product: Mortgage

I was solicited by NationStar Mortgage to possibly reduce my rate by refinancing my current mortgage with them. I responded to their offer and was contacted by XXXX XXXX from Nationstar Mortgage XXXX Greenlight Loans XXXX. A rate of 3.75 % and the fees of {$750.00} for the loan were quoted verbally. I agreed to the rate and the fees, answered personal questions and consented to having my credit rating verified. I started to assemble necessary documents and was then informed by XXXX XXXX that the fees were now {$950.00}. I have been subject to bait and switch tactics before and want to alert everyone to NationStar 's predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. 
XXXXXXXX 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 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 XXXXXXXX : {$100.00}. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part.
Product: Checking or savings account

Multiple unauthorized transactions were made with my account. There were transactions in XXXX, Ga, XXXX, Ga, and XXXX, Ga. I live in XXXX, Ga and that is where I was located at the time of these transactions. This is verified by other transactions on these dates posted in my account. 

All Transactions were posted on XX/XX/XXXX XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$300.00} XXXX. 
ATM WITHDRAWAL ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX Amount : {$480.00} XXXX. 
PURCHASE WITH CASH BACK ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$21.00} XXXX. 
PURCHASE WITH CASH BACK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA Amount : {$20.00} XXXX. 
PURCHASE CASH BACK XXXX XXXX XXXX XXXX XXXX GA Amount : {$1.00} XXXX. 
PURCHASE ON XX/XX/XXXX QT XXXX XXXX GA XXXX Amount : {$25.00} XXXX. 
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX # XXXX XXXX GA XXXX XXXX : {$1.00} Wells Fargo stated that there was no fraud detected by these transactions
Product: Mortgage

Received a mortgage modification from XXXX XXXX  XXXX XXXX the # Trial Payments were made from XX/XX/2017 - XX/XX/2017 amount of {$1600.00}. 
The mortgage servicer changed from XXXX XXXX XXXX to Rushmore Loan Services XX/XX/2017. Rushmore refused to honor the modification with XXXX XXXX XXXX after I made all trial payments. Rushmore Customer Service stated I would be receiving the permanent modification agreement. I never received those papers Rushmore  has increased my mortgage payment to {$2100.00} and scheduled my home for foreclosure sale. I requested they please correct my mortgage payment. They have been difficult to work with and refuse to assist me. I do want to pay my mortgage and I don't want to lose my home. 

Please! Please! Please Help
Product: Money transfer, virtual currency, or money service

Greetings, I XXXX XXXX am addressing 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 that tracking these transactions 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

XXXX XXXX continues to call my cellular phone number despite having expressed to them that I am not the person that they are looking for. I have asked them to stop calling me on at least five occasions, two of which I described intentions to pursue legal actions for harassment ; and one of which I spoke to a manager and asked to not be contacted again to which I would pursue legal actions if my request was not met. The cadence between myself and this company has gone on for about two months. This morning ( XX/XX/2018 ) I received another phone call from the same number. I was unable to answer the call due to being at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

their are debts and collections on my account which is not associated to my Credit report and is not my debts and unauthorized hard inquiries. please give this your attentions so I can purchase my first home before I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, XXXX, and TransUnion they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Product: Credit card

On approximately XXXX/XXXX/15, I did a balance transfer to Firstbank Card. The offer from Firstbank Card was 0 % for 12 months, with a 3 % balance transfer fee. A few days ago while going over the the credit card statement from Firstbank Card I realized that I had a finance charge of {$160.00}. I called first bank so that they could explain. They stated that the balance transfer was at 0 % for the first month and thereafter at 16.99 %. I stated that was an error made on there part and insisted that they listen to the audio recording which took place during the initial transaction. On XXXX/XXXX/15, I was advised by a representative as per supervisor XXXX out of the XXXX, Nebraska office that the audio tape was indeed listened to and that I did agree to the terms that they claim. I am pretty upset as I feel as I was duped, being that I would never agree to such a transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit monitoring alerts that my credit score was impacted at XXXX XXXX and Transunion due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the credit bureau and credit card XXXX XXXX XXXX XXXX XXXX regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.
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. Address information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX, AZ XXXX Address Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employment Information : XXXX XXXX XXXX XXXX Spouse information : XXXX Date of birth : XXXX Account Information : XXXX XXXX Account # XXXX Account Information : XXXX XXXX Account # XXXX Account Information : XXXX  XXXX Account # XXXX Account Information : XXXX XXXX XXXX Account # XXXX Account Information : XXXX XXXX XXXXXXXX Account # XXXX Account Information : XXXX XXXX XXXX XXXX Account Information XXXX XXXX XXXX XXXX XXXXXXXX Account Information : XXXX XXXX XXXX Account Information : XXXX XXXX XXXX The above account and personal information being reported has violated my rights to privacy. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account or personal information without my written consent.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: 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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/202XXXX XXXX
Product: Debt collection

After going through a long modification process with BofA, I finally got my loan modified and began making regular payments again last fall. In XXXX, I received notice that my loan would be transferred to SETERUS, INC. effective XXXX/XXXX/15. Having not received a 'welcome pkg ', I called Seterus to learn my new acct # so I could put it into my bank payment system and I made my XXXX & XXXX payments on time. Made my XXXX payment on time but did not get a statement until XXXX XXXX which said I was late and late charges were applied. That is when I checked the # I put into my bank system vs the # that was in the welcome pkg & statements : they were not the same -- -not even close enough to have been a typo on my part. I called Seterus and actually got a nice female rep who tried to help me. She could n't find any record of my payment until I gave her the # that the rep gave me back in XXXX. Then she found my payment but said it had been pulled out of the erroneous account but she did n't know where it went. She said she would do some further checking and would submit a reverse the late fee charge. Made XXXX payment on time with correct # in system but when I got my statement, it still showed me a month behind. I faxed in a detailed letter explaining the problem, the error & listing of all my transactions. On XXXX I got another late notice and charge. I called again and a nice male rep helped me. He found my letter in the computer files but it was as if no one had even read it. He told me talking to a supervisor would n't help but he looked over my letter and said he would escalate the issue to get it resolved. He asked me to submit a copy of my bank statement for XXXX showing the payment was made which I immediately did that day. XXXX payment made on time but again statement showed month behind and on XXXX received another late notice and charge. Two months gone by and issue has not been solved. Faxed another letter today to Seterus and filed complaints with XXXX of XXXX, XXXX, XXXX, the XXXX Attorney General Office and XXXX.
Product: Payday loan, title loan, or personal loan

I was told by the person at OneMain Financial who sold me my loan that my APR was XXXX  %. The company is now charging me nearly XXXX XXXX! They have nearly tripled my APR without and notification. This was a clear bait and switch tactic, and I am now being swindled and defrauded and taken advantage of.
Product: Credit reporting or other personal consumer reports

Someone fraudulently used my information to open a account with homestead utilities that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Money transfer, virtual currency, or money service

XXXX19-XXXX19 there was {$280.00} taken off my account. I had someone staying with me XX/XX/19 and thats the day my card went missing there was there was 9 purchases made altogether some of them are in Virginia some of them are made in Florida and New York
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.