23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit
Product: Mortgage

My realtor and I were told that if I received a gift of {$2000.00} that it would show the underwriter at Truist that he can count the XXXX of {$2000.00} that was put in at date of offer, that we would have enough cash reserves to close on the property. 

I was told that I would receive a refund of {$2000.00} after closing in the form of a check. 

Mind you this gift was from a family member and I only accepted the gift as I was told we would get it back after closing. 

Come to find out the lender Truist instead of asking me how I would want the refund, ended up just applying it directly to my mortgage principal with no communication to me or my wife.
Product: Student loan

I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX XXXX and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. now, recently, almost a year before my account has been transferred to AMERICAN EDUCATION SERVICES, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested them several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. they just say they will send the request to my previous loan carrier which was XXXX and they will mail you, i never had received the mail and i requested them several times. but my question is if it is same account that has been transferred to AMERICAN EDUCATION SERVICE and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.
Product: Credit card or prepaid card

During the Covid shutdown I called capital one to explain my hardship of not working. They agreed to forgive my payment in XXXX but moved the payment to XXXX. So I had to make XXXX and XXXX payment. In XXXX I had to make XXXX, XXXX and XXXX payment and so on. I could not afford that kind of money since I had no monthly income. I did not get unemployment. As a result, they charged off my account and ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a l complaint against Equifax. I am disturbed and alarmed to learn from an old roommate that some type of mail correspondence is being forwarded to him in XXXX. The address which is apparently on the letters is not an address that I ever supplied to Equifax, nor did I ever have an account with Equifax before today. 

Upon setting up an Equifax account today, the address to which the letters were reportedly sent is not listed. The letters are being sent without my consent or knowledge and I have no idea what is contained in the letters.
Product: Debt collection

I am writing to request documentation regarding a collection account that appears on my credit report under your company 's name. Specifically, I am seeking a signed contract or agreement that confirms I agreed to or had knowledge of owing your agency the debt in question. 

I have not received any correspondence from Fair Collections & Outsourcing regarding this alleged debt. This lack of communication raises serious concerns about the validity of the claim and your compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following within 30 days : A copy of the original signed contract or agreement that demonstrates my obligation to pay this debt. I do not want a copy of an account being opened but proof of debt. 
Documentation showing that I was properly notified of this debt, including dates and methods of communication. 
A forward flow agreement and chain of assignment If you can not provide the above requested documentation, I request that you immediately remove this collection account from my credit report and cease all collection activities related to this alleged debt. 

Be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Any failure to comply with this request or any continued reporting of unverified information may result in further action on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action.
Product: Credit reporting or other personal consumer reports

Apparently, Island Finance made inquiries about my line of credit without verbal and written authorization in this way, violating the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You instructed me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. Despite my request for validation, it has not been provided. Please update the following accounts immediately : Experian : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously stated, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). Additionally, in accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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: Mortgage

I want to pay off my " closed-end '' loan secured by my dwelling. 

Since XXXX/XXXX/2020, I have made THREE requests to my mortgage loan Servicer for an accurate statement of the total amount that would be required to satisfy my obligation in full. 

Two of the requests were made by secure, internal emails through the online back office provided by the Servicer The third was completed by phone, speaking with a " live '' customer service representative. 

Each request included a specified date, according the rules and requirements of the Servicer, by which the funds for the Payoff must be received by the Servicer. 

As of today, Friday, XXXX/XXXX/2020, there has been no reply by the Servicer, so I contacted their Home Office, again, at approximately XXXX XXXX  CT. 

Of course, I encountered block and tackle resistance by way of an extensive, automated " choose an option '' menu. Eventually, I was advised to visit my online back office for resolution. This is XXXX  run-around, as there is NO process in the online back office to receive any Payoff information. One can only submit a request FOR information. 

Before ending the call, I was prompted to leave a call back number, which I did, because the " wait time '' today is very long. At this moment, it is XXXX XXXX CT and there has been no call back. 

Am I being fair-minded, or unreasonable? I don't know yet. Is there is CFPB rule concerning the amount of time a Financial Institution is allowed before responding to a request for a Payoff? 

Please provide advice on the actions I should take next for resolution of this issue. 

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

JIn XX/XX/year>, I received a notification from my credit report indicating that a new account had been added by a company named XXXX XXXX. Upon contacting them, I was informed that I still had to pay the debt. A few months later, I received another notification from the credit report showing an address ( XXXX XXXX XXXX XXXX NY XXXX ) where I had never lived. I reached out to all three credit bureaus to clarify that I did not reside at that address and that the account linked to XXXXXXXX XXXX was not mine, likely due to fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, XXXX and Experian and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted all XXXX credit agencies regarding an account reporting under my name as XXXX XXXX XXXX  I never opened this account there isnt a balance due but its reporting a 30 day late payment. Each time I have disputed the account they update the late payment to a different month. Most recently equifax stated they would not investigate the account anymore because the creditor confirmed the account information however the account isnt mine and I never had a 30 day late payment on any account whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a XXXX  XXXX   letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, TransUnion, XXXX, and XXXX  and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX
Product: Vehicle loan or lease

I Leased a car through Nissan and I called them in XX/XX/XXXX to discuss deferring payments because of loss of income due to Covid 19. They gave me a 3 month grievance to not pay on the lease. I called XX/XX/XXXX and asked for 1 additional month grievance and were given permission to not make the payment due to my circumstances. Unfortunately my car was repossessed in XX/XX/XXXX. I have spoken to Nissan several times and have filled out packets of information and here we are in XXXX and they have not processed the paperwork to return my car or give me any options. I was told by Nissan that I would get my car back, but every time I call Nissan says its still processing paperwork 3 months late? Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing to formally request your assistance in addressing an issue with my credit report. I have recently satisfied a collection account with XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, adversely affecting my credit score and overall financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Product: Mortgage

On XX/XX/2020, I contacted my mortgage servicer, Rushmore Loan Management Services as they increased my monthly payment by {$100.00}. The customer service representative XXXX, indicated to me that the increase was due to an escrow shortage. This is the second time in 14 months that Rushmore has increased my payment due to a claiming an escrow shortage. My county taxes and home owners insurance has NOT increased in that time period, the previous increase in payment to cover an escrow shortage would cover current taxes as again, they have not increased, the {$100.00} per month increase annualized is {$1200.00} which is 50 % of my county taxes ( an impossible account shortage ), Rushmore is charging a {$65.00} " Recoverable Advance '' for non-escrow related expenses but will not provide what those expenses are. I requested an audit of my escrow account, Rushmore refused and when I asked to speak with a supervisor, they hung up. It is clear that due to liquidity crunches in the mortgage servicing space, Rushmore is illegally billing current customers in an attempt to collect unjustified expenses. Further, I have not received prior or current notification of any kind, regarding an escrow increase as is required by statute. Rushmore refuses to perform an escrow audit, justify these increases and expenses and as well, is in violation of CFPB and California State Regulations. I request a full audit of my escrow account, Rushmore Loan Management Services practices and a remedy to my monthly payment. Thank you.
Product: Credit reporting

I have credit monitoring service with Equifax. Today I called to lock my credit reporting down as I received a notice from the IRS that my SSN has been breached. When I called, my call was picked up in XXXX XXXX. Equifax has an offshoring contract with a company in XXXX XXXX taking SSN, mother 's maiden name, address, and phone number with access to my credit file. This is in direct violation of the FCRA. When speaking with the representative, I also found they had a number on file that was not my phone number and refused to tell me where that information came from. Getting intouch with anyone in the US that works at Equifax is virtually impossible. As victim of identiy theft in the last year, the questions Equifax asks for verification are the same questions my hackers had. Anyone can call in and pretend they 're me. I know this, because this happend in the breach that promted me to pay for the extra protection.There is no additional security provied for the {$20.00} a month I must pay. 
The entire practice of Equifax and their credit monitoring must be looked into. The IRS, XXXX and others encourge this service that adds to up a great deal of money up for Exquifax, and money the consumer is FORCED to pay because there is no other option. But my information is not secure. It is offshore and without my permission!
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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  XXXX and XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.