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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute an account on my credit report that was opened without my knowledge or consent. This account was the result of unauthorized and fraudulent use of my identity.
Product: Mortgage

Dear CFPB, I am a XXXX XXXX XXXX XXXX XXXX I assist XXXX XXXX XXXX XXXX XXXX. My contract entitles me to a percentage of the proceeds. Lakeview Loan Servicing LLC. is holding funds that belong to me and refuses to release those funds to me despite my efforts to contact them. I submitted 100 % proof of the signed contract with the insured ( homeowner ) and all the documentation they would need to tie it to this loan. 

They refuse to release my funds to me. I have never had this problem with a mortgage company before. Usually they endorse the checks and return them to my firm so I may pay the vendors doing the work and pull my fee.

The homeowner nor the mortgage company is entitled to the portion of the claim that is " my fee ''.

Can you assist with this matter? I am owed 20 % of this claim for {$46000.00} which equals {$9200.00}. It is a rather large sum of money and I have many hours of work into this claim.

Please advise. 

Kindest Regards, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : 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. None of these inquiries were authorized by me and I do not have an account with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Product: Student loan

I already submitted a case for this. XXXX is closed based on them ( XXXX ) stating that it " would '' be discharged most likely due to the how the loans were given and how the school was conducting " business ''. 
Well they denied it now. Stating " XXXX carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' But they STILL have not told my WHY my loans/case doesn't meet the criteria. I want to know, and I think they are WRONG. Mohela is now servicing these loans for XXXX. I don't agree with that assessment, let alone their decision. 
Along with that I asked that we discuss ways to rework the OTHER loans I have as well in order to make it easier for me to pay them back since all of the accumulated interest is just piling up year after year and I will never pay them off. They NEVER even responded to those other XXXX loans. 
I need help and have been raked through the coals on these loans and loan practices from these private schools and their financial cohorts. I can't provide for my family of XXXX, let alone prepare my XXXX kids for their futures because I got stuck in the middle of this flurry of financial crookedness but these loan predators the fed on the need of society stating we ALL need degrees to better ourselves and our families. This is just wrong on so many levels. AND I have filed bankruptcy twice over the life of these loans and not XXXX lawyer would even attempt to help me. They just said NO. Even when I asked them to try.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Debt collection

This is the second time I have had to make a formal complaint about this company on this site. ARSTRAT, a debt collector has on multiple occasions not applied my monthly payments to my balance. I have proof from credit card and bank statements that these payments were cleared through my accounts to ARSTRAT but ARSTRAT claims they can not see the payments on their end and that the balance they show is correct. I made a complaint with this website in XX/XX/XXXX and I was contacted by a supervisor from ARSTRAT and she straightened everything out and apologized for their mistake. She assured me it would not happen again but it has continued. I have made my agreed upon payments every month but my balance does not reflect my payments and no one at ARSTRAT will own up to their mistakes.
Product: Money transfer, virtual currency, or money service

Hi, I had opened a dispute for remittance transfer made using the Service of Remity on XX/XX/2021 receipt/reference number XXXX for the amount of XXXX . The money was supposed to reach my bank account of XXXX XXXX XXXX Account XXXX but it didnt due to No credit status on my XXXX XXXX account. 

Upon contacting Remilty same the customer representative XXXX XXXX/XXXX/XXXX/XXXX  asks me to upload my XXXX XXXX bank statement which I did right away upon further investigation they gave me UTR Number XXXX provided by remilty partner bank in XXXX and asked me to check with XXXX. 

When I contacted XXXX XXXX they informed me that they had returned the money to the XXXX XXXX  on the same day itself and provided me UTR Number XXXX. 

I am providing this information to the Remitly Customer representative for more than a month but still and there is no response from them. I am calling every day about it and getting very rude and weird responses. I had more than 64 calls in the last 30 days and chat with customer representatives more than 27 times also. 

I am attaching my XXXX XXXX bank statement for the last 30 days and email confirmation from them about the refund to the XXXX  XXXX  along with UTR details. Also attaching the chats transcripts which I had with the Remitly customer representative. 

My money is still with Remitly and their partner Bank XXXX XXXX and they are really not willing to return my money back.
Product: Credit card or prepaid card

Filed dispute with Citi Costco credit card which was resolved for {$6700.00}. I requested payment by check which has never been sent from Citi Costco. Numerous calls have been performed to both customer service and dispute department with agents claiming no communication between departments have been made to release the funds by check after being verbal told and by written confirmation that such action has happened. Dispute department agents repeatability have denied communication with sent letter from Citi confirming dispute details and situation of rewarded settlement. It appears the practice of misinformation between inter departments handling my dispute has resulted in nonpayment of awarded funds as Citi Costco is taken the incompetent approach to not pay what was settled.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Open : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$520.00} XXXX XXXX {$1400.00} XXXX  XXXX {$0.00} Late Closed : XXXX XXXX XXXXXXXX {$0.00} Charge Off : XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$0.00} XXXX  XXXX  XXXX {$1300.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Debt collection

My husband, XXXX XXXX, signed a contract ( contract ) for services with the company XXXX on XX/XX/XXXX. Exhibit 1. This contract contained the following relevant information : -I  acknowledge and agree to each of the followingThe initial term of this Contract is three ( 3 ) years Exhibit 1, pg 1. 

A. PAYMENTS ; TERM ; CONSUMER REPORT. All charges are payable in advance. The initial term of this Contract is three ( 3 ) years. XXXX 's alarm monitoring and notification services will begin when the equipment is installed, operational and communicating with XXXX 's XXXX XXXX XXXX ( " XXXX '' ). This Contract will automatically renew for successive thirty ( 30 ) -day terms unless terminated by either party at least thirty ( 30 ) days before the end of the current term. If terminated, this Contract ends on the last day of the then-current term. I may terminate my service  by calling XXXX at XXXX. [ emphasis added ] Exhibit 1, pg 4, item 1.

-I agree that the charges due under this contract are based on my agreement to receive and pay for the services for three ( 3 ) full years. Exhibit 1, pg 4, item 2. ) Two amendments were made to the contract, one, dated XX/XX/XXXX, identifying we were receiving a credit ( Exhibit 2 ) and a second one, dated XX/XX/XXXX, identifying we would be receiving two smoke detectors ( Exhibit 3 ).

So the above contract endedXX/XX/XXXX, as that would be three ( 3 ) years from the date the contract was entered into. 

A final payment was made to XXXX on XX/XX/XXXX, in the amount of {$130.00}. Exhibit 5. The billing history shows that the bill is for services from XX/XX/XXXX to XX/XX/XXXX. Exhibit 5. 

Services were cancelled via phone conversation between my husband and an XXXX representative at XXXX on XX/XX/XXXX. At this point, according to the now expired-no longer enforceable contract, the services, though no longer under contract, should expire on XX/XX/XXXX. 

I called XXXX  at XXXX on XX/XX/XXXX, at XXXX to remind XXXX  we were cancelling our service. Exhibit 6. 

My husband followed up with XXXX via email on XX/XX/XXXX, reiterating that service had been terminated by us. Exhibit 4. 

XXXX has been sending me bills since late XX/XX/XXXX for varying amounts. I discarded all bills as we no longer have XXXX service. 

On XX/XX/XXXX, I received a debt collection letter from Source RM who had been hired by XXXX to collect {$34.00}. Exhibit 7. 

In regards to Source RM, I will be seeking recourse against them should they violate the Fair Credit Reporting Act ( FCRA ) by reporting the false information from XXXX  fraudulent claim. Also, I am instructing Source RM to not contact me or anyone related to me regarding this matter. 

XXXX XXXX, XXXX. 

Enclosures : Exhibits 1 through 7 cc : Washington State Office of  the Attorney General complaint filed XX/XX/XXXX XXXX XXXX XXXX Case no XXXX Consumer Financial Protection Bureau
Product: Debt collection

Subject : Formal Complaint Against MERIDIAN FINANCIAL SERVICES for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against MERIDIAN FINANCIAL SERVICES for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding MERIDIAN FINANCIAL SERVICES ' unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : MERIDIAN FINANCIAL SERVICES has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights.

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practice : MERIDIAN FINANCIAL SERVICES has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights.

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : MERIDIAN FINANCIAL SERVICES has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Given these violations, I am formally disputing any and all debts claimed by MERIDIAN FINANCIAL SERVICES. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls.

In my previous correspondence with MERIDIAN FINANCIAL SERVICES, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between MERIDIAN FINANCIAL SERVICES and the original creditor.

3. Proof that MERIDIAN FINANCIAL SERVICES is licensed and bonded.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that MERIDIAN FINANCIAL SERVICES complies with all applicable laws and regulations. Furthermore, I request proof of mail receipt for my records.

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed there were several hard inquiries I did not recognize.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX XXXX from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXn. After her death, I learned that she had named me the executor of her estate. I have spent the last 14 months working with her attorneys office to wind down her affairs. Last month I learned that she had an account with Capital One Bank. 

In reviewing her bank statement, I observe that on XX/XX/XXXX someone made two withdrawals from her account. On XX/XX/XXXX someone made a third withdrawal and closed her account. I have made more than XXXX inquiry to Capital One to find out who conducted those transactions, but the bank has been slow to respond on what should be straight forward questions : who was authorized to conducted those transactions and where were the funds transferred to? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Based on her other financial papers, I do not believe anyone else was a signer on this account so I need to identify who moved the funds. The attorneys office has reminded me that the estate is responsible for taxes based on the decedents financial profile at the time of her deathincluding her account at Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a call from XXXX. They asked if was the resident, immediately asked for personal information without saying their name or who the company was. I had to asked for her name and the company name.
Product: Credit reporting 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. 
I told XXXX, XXXX, and Equifax to reinvestigate the XXXX accounts that's below and label as XXXX XXXX and XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, inaccurate late payment, false reporting with collection and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case - XXXX XXXX XXXX IS DAMAGING MY REPORT THIA ACCOUNT IS NOT MINES I DID NOT SIGN ANY DOCUMENTS OR AGREED TO ANY TERMS WITH THIS COMPANY. THIS IS IDENTITY THEFT CREDT COLLECTION SERVIC HAVE NO RIGHTS TO REPORT SUCH INFORMSTION. I REFUSE TO PAY SUCH DEBT. I DO NOT OWE SUCH DEBT THIS IS A VIOLATION UNDER 15USC1692g, 15USC1692b, 15 USC1692e, 15USC1681e ( b ). 

- XXXX XXXX XXXX REPOTING FALSE INFORMATION. REPORTING 30 DAY LATE PAYMENT. INACCURATE AND FALSE REPORTING I WAS NEVER LATE THAT IS FALSE INFORMATION AND REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof ) every month to update on employment statues and extend forbearance. XXXX XXXX and Chase Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.
Product: Mortgage

I obtained a reverse mortgage back in XX/XX/2023. The contract that I signed says that the mortgage insurance will be paid from a escrow account. The company that I sat the reverse mortgage was XXXX XXXX XXXX  and they sold my account XXXX XXXX. The insurance company is XXXX. I had a tornado do a lot of damage to my house and now I am being told there is no insurance to cover the damages.
Product: Mortgage

I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 years.
Product: Mortgage

XXXX XXXX Home Mortgage ( my former mortgage lender ) sent me a notice stating that my mortgage will be transferred to Mr. Cooper effective XX/XX/XXXX 
I made XX/XX/ mortgage payment before receiving the any type of formal notice to Mr. Cooper. I always make what I owe monthly plus additional {$930.00} applying towards the principal. Mr. Cooper did in fact acknowledged the receipt of XX/XX/ payment. NEVER explaining {$930.00} additional was applied to my account. 

I tried to call Mr. Cooper on numerous occasions with number provided by XXXX XXXX and I was unable to speak with a customer service rep. I then called XXXX XXXX and explained. The rep at XXXX XXXX told me that they've been getting a lot of complaints from other customers. However XXXX XXXX only had the number I had. 

I was told that I will be receiving a formal payment voucher/statement shortly from Mr. Cooper and there will be 60 day grace period. I am still waiting statement from Mr. Cooper the itemization of what I paid and how the funds were applied to my account. 

I've been receiving calls from Mr. Cooper stating my mortgage payment is being late and I should consider them as a debt collectors. I can not get hold of anyone at Mr. Cooper. WHAT DO I DO?