23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Deceased business owner XXXX XXXX XXXX, XXXX XXXX XXXX. Owner and co owner of nationstar mortgage company aka XXXX XXXX XXXX  today partner ship .has faled too give me a copy of the operational agreement attached too the company 's articles, XXXX  XXXX XXXX XXXX name change nationstar XXXX XXXX XXXX address on file .is XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX  XXXX XXXX XXXX ga XXXX. I am give nationstar a official notices, to give me a copy of all legal paper work too this company as the beneficiary 3rd party. Me mr XXXX XXXX, and XXXX XXXX, too what yall are doing with my money. Weather it a last will testament attached too this company from XXXX XXXX XXXX, or a operational agreement, or trust deed or testimony deed attached too the company articles of incorp, i need a copy of the hold file. For my records as the owner beneficiary heir. XXXX XXXX as well .all the address in this text and business name states XXXX XXXX as the old owner, need a copy of the paper work state new owner. And a copy of XXXX XXXX too what yall are doing with the money. I am a beneficiary too this businesses estate. Yall have fail too give me such paper .i serve yall this notice today. If yall do not reply. Yall will be liable for all cost this issue will accure. ... .from court and lawyer fee. I am already suffering from yall misconduct from not give me such information. Please stop the miscommunications with this from me .... XXXX XXXX XXXX XXXX ga, ... ..contact me at my address onfile XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX .or call me XXXX .XXXX XXXX deceased ss number is XXXX XXXX XXXX .or XXXX XXXX XXXX .deceased businesses ownership. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX la.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

I have contacted WAY2GO customer service line for 2 weeks now, I asked for them to replace my Unemployment Debit card and they sent a replacement Child Support card, Now for the past 3 days I have called several times each day. Today I was waiting for over 4 and half hours to speak to someone and yet still got no one. I finally hung up with frustration. I have close to 2,000 dollars on my unemployment card and I can't even access it!!! This is ridiculous! I have tried contacted other companies and its a dead end! I just want my card replaced!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 of 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the  Attorney General.
Product: Mortgage

I am frustrated with this entire financial system. I grew up in financial difficulty. From before I could remember, my credit has been in the gutter. I have been trying extremely hard for MANY years to pull myself from the bottom, but with each loan or credit card coming with an interest rate significantly higher, or even double the national average, it is extremely hard to keep up. I am a member of the military and have been for the past 20 years. I have managed to buy a home and XXXX cars, but at higher interest rates than even my most junior subordinates. Even demonstrating an ability and willingness to make these high payments, it seems that there is no escape. My wife and I feel trapped in a nightmare scenario, where we pay and pay and pay, while our neighbors are enjoying the benefits of always having good credit. I have never known that feeling and will as it stands now, will NEVER get to know that feeling. My Mortgage interest rate is 4 %, car loans are 25 % and higher, credit card is 26 %. I am able to pay XXXX car payments that total $ XXXX/month, a Mortgage payment that is $ XXXX/month, and a minimal credit card payment, along with all utilities and entertainment that comes with a XXXX member household. However, this is taxing, as we have no savings to speak of and can not have a savings with these high interest rates and no bank willing to help out. I am in school, but that is paid for by the military. If I were a private citizen, I would not be able to afford this and would be trapped and unable to achieve a better credit score and the door of possibly bettering my score would remain closed. I guess my complaint is simple, the financial/credit score system is rigged and unduly prejudicially punitive to the majority of lower-income people in this country. It rewards the well-off with all the benefits and punishes or takes advantage of those that have no other choice but to take what they can get. I never had the opportunity to fail, because I was not afforded the financial 'altitude ' to fall in the first place. 

That is my complaint, Concerned Consumer
Product: Credit reporting or other personal consumer reports

I applied for direct financing with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OK contact XXXX. I received a hard inquiry notification from XXXX whom I approved to run my credit for an auto loan. Thereafter, I began receiving multiple notifications of additional hard inquiries on my credit. I immediately called the dealership salesman XXXX XXXX contact number ( XXXX ) XXXX at XXXX XX/XX/XXXX and told him to notify his finance department to cease from running my credit through other banks and lenders that I did not approve. Afterwards, I received another XXXX unauthorized hard inquiries. 

The list of companies with unauthorized hard inquiries whom my credit are the following : 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

I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXXto present day XXXX
Product: Debt collection

The company stated the information was verified but did not present any original documents with my signature stated I owe this debt
Product: Debt collection

Called 10 times asking for information about the collection they will not response.. the put a collection in my credit report is not my they are saying I have to pay
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

My mortgage is currently being serviced by stearns lending. They presently charge you to make a payment online, and even when you are within the 15 day grace period, they are forcing a " one time draft fee '' of up to {$15.00}. This defeats the whole purpose of a " grace period ''. When one of their representatives called me on the XXXX of the month to harass me into making a payment over the phone, i informed him the fees they were charging were not waranted and that I would be filing a complaint.
Product: Checking or savings account

Back in XX/XX/2018, I found that an acquaintance of mines was stealing my cards out my purse. I notified Chase of numerous of unauthorized charges and they told me that they couldnt reverse because it was over 60 days old. 
Im just notifying your company cause I just found out about your agency. 
My acquaintance was arrested and charged for stealing my cards
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2025 Jefferson Capital Systems XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Request Account Number : XXXX Dear Jefferson Capital Systems XXXX This letter serves as a formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you immediately cease and desist all communication with me regarding the alleged debt associated with the above-referenced account. 

According to my credit report, this account is reported as closed and listed under collections with an outstanding balance of {$730.00}. However, I dispute the validity of this debt and do not acknowledge any obligation to pay it. Furthermore, I have not received sufficient validation of the debt as required under 15 U.S.C. 1692g ( b ) of the FDCPA. 

Effective immediately : Refrain from contacting me by phone, mail, email, or any other means of communication regarding this matter. 
Cease reporting inaccurate information about this account to the credit reporting agencies. 
Failure to comply with this request may result in legal action to enforce my rights under federal law, including but not limited to seeking damages for harassment, improper reporting, or failure to validate the debt. 

Should you need to contact me regarding this request or to confirm compliance, you may do so in writing at the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, my name is XXXX XXXX I am new to the credit world. I have always paid in cash. Though, I am newly engaged and would like to establish some credit in my name. Upon looking at my credit info on XXXXXXXX for the first time ever I came across an account in collections called XXXX XXXX XXXX in collections with a company called Allied Collection Service in the amount {$380.00}. I have never been to this school nor ever heard of it or where it may be located. It is the only mark on my credit and do not know how it got on my report. I have had it removed from XXXX XXXX but it is still on XXXX. 
This is not my dept owed. I always pay my debts, please help me to have this false information removed from my credit report. 

Thank you!!! 
Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XXXX XXXX  a transfer I did not authorize appeared on two accounts marked XXXX XXXX XXXX XXXX that was not showing either XXXX XXXX XXXX when I checked my accounts. One {$3000.00} and one {$10000.00}. I do not allow my account to be overdrawn. I require two way confirmation when signing in. I require the bank notify if a new device accesses my account and when a new account transfer account is added. USAA did none of these things when they allowed a scammer to transfer these high dolor amounts of funds without notifying me. They used my daughters social security check towards this deficit as well as withdrew without my permission funds of about {$650.00} from the new account I made free from fraud towards the fraud account in a deficit. They also told me the investigation would take 9-10 days on obviously fraud transactions.
Product: Debt collection

I been disputing a medical collection w/ IC system since XX/XX/2018. Had three charges. One charge of {$50.00} was removed but left with other 2 charges one for {$200.00} and {$460.00}. I had full  cover insurance ( XXXX ) for my self and XXXXkids at the time of service. If they removed one charge of {$50.00} dollars it's because I m correct. They have not removed the other two charges. I had send them copy 's of my insurance.
Product: Credit reporting or other personal consumer reports

please check my information concerning the equifax data breach in attatchments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

we have been with green tree for 16 years they have harassed us from the being they have threated calling all the time, the were charging us extra saying it was for our property taxes and we recentally found out they were n't paying our property taxes we pretty much have been paying over a {$1000.00} a month for 16 years and still owe almost as much as we did when we started, this company needs to be shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted Experian due to be charged {$19.00} for credit monitoring that I canceled on XX/XX/2020. The customer service representative canceled the paid subscription and said that she was refunding me the {$19.00} for the service and that I would receive an email confirmation of both the service cancellation and the refund. She also stated that it would take 3-5 business days for the refund to show into my account. That time has come and the refund is still not in my account. My bank doesn't hold deposits of any kind so it's not my bank that is holding things up. I've tried several times to call Experian and speak to someone live but their automated system wouldn't allow any transfer to speak to a person. There is no other expedited way to speak to someone at this Credit Reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX Account XXXX has violated my right XXXX Account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Santander Consumer USA incorrectly reporting payment history and payment status of an account in my name. I would like this issue removed from my credit report until it can be validated. The company is known for reporting falsely and inaccurately on accounts.
Product: Mortgage

This complaint is about closing on a mortgage with Network Capital Funding. We had closed our Refinance Contract on XX/XX/XXXX with a Notary. Later, to find out that the interest rate lock had expired on the Conventional Mortgage Loan on XXXX XXXX. At that time we were asked to except another loan contract with a higher rate and cost. Over time, we decided not to except another offer, we wanted the same mortgage that were signed on XX/XX/XXXX. In XXXX on XXXX XXXX, I informed our Loan Offier, XXXX XXXX XXXX, our property tax for XXXX XXXX in XXXX, CA. was Not paid per our Escrow Contract at the closing of the loan. XXXX had our {$4100.00} personal check since XX/XX/XXXX, 2. On XX/XX/XXXX, we had to send a Cashier 's Check in that amount with one missing disclosure, and a updated copy of XXXX XXXX Banking Account Statement which were sent by XXXX. We were Not informed that they were not paying our property taxes. So, we paid our taxes so there would not be a penalty against us. XXXX sent a Cashier 's Check for our property to us on XX/XX/XXXX. This was a default of our contract and very disappointed in the process of this loan. The rental property was the property that we wanted to refi first and the Loan Officer, " said that we would get a cheaper loan if we refi our home also. '' But our loan was denied as we were afraid, it was a scam or a fraud. Which the loan officer assured us this was not a fraud but a company with good standing. Network Capital Funding have Advertisements over the radio in my area. 


denied the loan
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting or other personal consumer reports

I urge you to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. I have not applied for any credit, loans, or services from those creditors on the aforementioned date, nor have I authorized anyone else to do so on my behalf. This inquiry was made without my consent.