23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I get paid the XXXX and XXXX. XXXX XXXX for some reason takes time to process for direct deposit so I might receive possibly 3 paper checks before I can get the direct deposit. I received my check the XXXX of XXXX and deposited in my chase account the XXXX of XXXX. I was told that they would hold my check until the XXXX of XXXX but at the same time they restricted my account, on that day of the XXXX of XXXX when I saw that the funds were in my account thinking that they had removed the restrictions I tried paying all my backtracked bills but to find out the account was frozen. I called customer service to see if they could lift the restrictions but I was told that they couldnt verify the check and that if they werent able to do so within a time frame the money would go back to the state. On XX/XX/XXXX I had tried calling customer service to provide as much information as I could to help them verify it. I gave them the number to HR at the prison, gave the the number to the accounting manager of payroll and they couldnt call because their system couldnt verify the numbers. Theres really not any other numbers because I work for the government. Ive gone now one month without pay and in the verge of bankruptcy.
Product: Credit reporting or other personal consumer reports

The following information currently showing and listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX isnt my bank account or inquiries : XXXX, XXXX  Routing Number : XXXX, Bank Account Number : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Bank Account Number : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Bank Account Number : 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 and XXXX XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Debt collection

On XX/XX/XXXX @ XXXX I received a text message from Spire Recovery Solutions asking me to contact them in reference to an account. I responded at XXXX that I had no idea what they are talking about. 

They immediately started to ask me personal information questions. ( DOB, SSN etc ) which I refused to answer until they told me what it was about. 

They directed me to call in which I didn't do because the calls are recorded and only recorded on their end. Which means I'm not afforded the protection or access to the recording. Then they directed me to a website, which requires me to agree to a number of conditions including consent to be continually contacted, more personal information, being recorded, agree to payments, that I don't even know if I'm responsible for etc. 

They then blasted me with 3 back to back auto robo text message about their hours. 

Then yesterday XX/XX/XXXX @ XXXX they text me that they will not disclose any information to me before they get the information they want. At XXXX I asked them to not contact me again since they won't tell me what this about. 

Today XX/XX/XXXX @ XXXX they again contacted me ( after being asked to stop ) telling me that they will not stop contacting me and if I change my mind and would like to give them the information they want to call them at XXXX I responded @ XXXX asking them again to stop contacting me and informed them that I will be reporting this and all future violations. 

This entire thread has been documented through text messages which I also did not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was asked to investigate and remove accounts but failed to do so in the required time.
Product: Credit reporting or other personal consumer reports

I am concerned with how my disputes are being handled. I retained every dispute submitted concerning above listed item/account that Transunion continues to use as a discrimination tactic against me. I believe Transunion is singling me out in violation of the FCRA and ECOA. The FCRA requires the consumer reporting agencies to take the necessary measures to insure complete accuracy, fairness, impartiality, and respect for my right to privacy. I am asking for detailed evidence, including names, titles, and verifiable statement of who and how my previous disputes were handled. I have submitted same dispute with other major consumer reporting agencies and results were the deletion of the XXXX XXXX account as it was found in violation and causing harm to consumer report. I have also filed another dispute with the CFPB and XXXX concerning this repeated matter. Please send me updated consumer file.
Product: Mortgage

I have contacted the company regarding a payment that was paid on XX/XX/year>. The company is stating that my payment was returned due to an NSF. Since this occurred, the company has been reporting my payments late to the credit bureau even though my payments have been made on time every month. I provided proof of payment such as bank statements, a letter from the bank and even connected my bank on a 3 way call with a representative to confirm the payment did in fact get paid. The bank representative even provided the payment ID # as well as a Trace ID # and the company refuses to fix their error and fix the late payments that they have been reporting to the credit bureau. This has affected my credit and causing a lot of emotional distress. I am unable to get a loan to fix my roof because of the false reports that are being made to the credit bureau. I have called many times and the company refuses to help me even though I have r provided more than enough proof of payment.
Product: Mortgage

Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that Midland Credit Management , Inc. immediately cease and desist all communication with me concerning the alleged debt associated with the account referenced above. This demand is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
Please be advised that this includes, but is not limited to, any form of direct or indirect communication such as phone calls, letters, emails, text messages, or other means of contact. Furthermore, I am explicitly stating that reporting information about this alleged debt to credit reporting agencies also constitutes a form of communication under the FDCPA. If Midland Credit Management continues reporting this account, it will be seen as a violation of my request and the protections provided by federal law. 
Take notice that the FDCPA explicitly prohibits harassment, abusive practices, and communication with individuals after they have requested such communication to cease. I will not hesitate to exercise my rights to pursue legal remedies should you fail to comply with this cease and desist request. 
If Midland Credit Management believes this alleged debt is valid, I request that all further communication be made only in writing and strictly limited to providing verification of the debt as outlined in 15 U.S.C. 1692g ( b ). Any further actions that violate the FDCPA may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or state regulatory agencies. 
Please confirm in writing that Midland Credit Management , Inc. will honor this cease and desist request and indicate whether the alleged debt has been removed from my credit report. 
Thank you for your prompt attention to this matter. I expect confirmation of your compliance within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked immediately
Product: Credit card or prepaid card

I already had a case open With Citibank and it was not resolved. They did not call once and when I called they closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report under 'regular inquiries ' via ( XXXX XXXX, experience and XXXX ) there is an inquiry showing the company XXXX XXXX  with the date : XXXX/XXXX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview Loan Servicing, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

Bayview has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). Bayview bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted Bayview immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, Bayview 's actions are causing us both direct financial harm and preventing us from leaving Bayview 's portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included CREDIT TECHNOLOGIES information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Debt collection

This company Professional Debt Mediation is trying to collect {$1000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Professional Debt Mediation with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Professional Debt Mediation. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Professional Debt Mediation. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit card or prepaid card

Tried to pay my past due of like XXXX bucks since XX/XX/XXXX. I still can't get through the phone system or website on XX/XX/XXXX. I will be 30 days late on XXXX of XXXX and I can't talk to anyone or try and rectify the situation. 


No phones, no updates, no help for like a week.
Product: Debt collection

spoke to reprensative at this collection agency XXXX. last spoke with XXXX XXXX XXXX on XX/XX/XXXX. I have informed company that this debt is not mine, it was under a name AA, with whom I have no association nor do I know how they accessed my information whether it be ID or social security fraud/impersonation. I received a letter from XXXX XXXX stating that this should be erased from my file and accross the XXXX major credit reporting agencies. I have also reached out to XXXX XXXX ( last contact being today XX/XX/XXXX ) regarding this fraud and it still remains on my credit file negatively impacting my credit report and my ability to apply for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employer suspended, or separated me from the company due to a Flag on third party background check. I have personally called the background check company First Advantage and properly filed a dispute. I have provided them the court summary letter and expungement record signed by a Judge and stamped stating so. They have claimed that they are reporting this information from the court house. I have personally called the court house along with XXXX, and XXXX, which they claim to have no record in there database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Product: Checking or savings account

XXXX XXXX XXXX took over operations for XXXX XXXX XXXX XXXX and is not providing any account history. My account numbers have not changed.
Product: Debt collection

So this account is from like 8 years ago and I had my wages garnished until XXXX XXXX when XXXX XXXX XXXX XXXX and will not be able to work most like ever Im currently applying for ssdi my XXXX is worsening. They served me papers again but this time its for way more than it was before and Ive already paid some back from garnishing Ive tried calling and left emails I hear nothing back Im trying to see if they can write this off but they refuse to answer their phone or return emails and when I talked to them nicely last time the lady was extremely rude and disrespectful company is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are 4 accounts with XXXX XXXX. Those 4 accounts DO NOT BELONG TO ME. They belong to a different XXXX XXXX XXXX whos social is XXXX. This person you all have now merged his file and mine instead of removing these accounts you brought all his credit good and bad to my file. I had to provide proof to XXXX to get them to work with me to write a letter that explains these belong to a different XXXX XXXX XXXX and his social on their letter head. I have sent this in multiple times. Still no resolution. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX The harm you are doing to my credit score is reprehensible. I was told I needed a 27 % interest rate to buy a car today based solely on XXXX report. My XXXX XXXX XXXX XXXX DO NOT HAVE THESE ACCOUNTS JUST EQUIFAX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, I have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across XXXX, XXXX, and Experian. Specifically, Experian lists the last activity date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with XXXX indicating XXXX instances of 90-day late payments compared to only 1 reported by Experian. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that XXXX, Experian, and XXXX take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.
Product: Student loan

I have been advised by counsel to formally document and inform Mohela and the office of XXXX of all interactions that occur from today and moving forward. 

On Tuesday, XX/XX/XXXX I called MOHELAs PSLF line at XXXX XXXX. I was placed on hold for an hour before a representative answered the phone. The reason for my call was that 8 of my payments have been improperly marked as ineligible for PSLF even though they are eligible under either TEPSLF waiver or the IDR waiver. I had uploaded 3 pieces of explanation and documentation on XX/XX/year> that Mohela had moved from processing to canceled three weeks later without explanation. 

When I spoke to a representative, I requested to be transferred to a supervisor from the Escalation Team. Instead she kept me on the line for an additional 20 minutes only to tell me that she had spoken to a representative who said the payments were correct and being looked into. Those two statements contradict themselves. Either the payments are correct or they are being looked into. I requested to speak to the Supervisor myself and was placed on hold before being informed that all members of the team are busy and you will receive a call back in two business days. The line then hung up. 

I then called the Ombudsmens Office since I have an active and open case with FSA that they failed to respond to within the allotted 15 days. I was again on hold for 30 minutes before speaking to a representative who mentioned he was part of the investments team and incorrectly surmising that the payments were not qualifying because I did not certify my employment. The issue at hand is first that payments were made prior to consolidating with Fed Loan Servicing while working for a qualifying employer and second that payments were made during an inappropriate period of forced forbearance. 

I am now on hold again in hour 3 of being placed on hold. While on hold MOHELA called and when I went to answer had hung up. Then after 3 hours on hold with the office of FSA waiting to be transferred to a supervisor that line hung up on me as well.

I formerly request that both Mohela and FSA respond to this letter in writing with an explanation of why my uploaded forms were canceled as well as that I receive an updated an increased payment count from XXXX to XXXX or an explanation of why they can not be updated as such. MOHELA and now XXXX have been placed on notice and has 60 days to respond to this action before further legal action will be taken. I have documented all interactions and have evidentiary support to further my next steps.