23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am the author of this complaint. 

The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you - Equifax, may require. 

The issue - 1. My Physical Home Address continues to be updated at Equifax  2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX - is not, my current address 3. This has been disputed to Equifax - and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted XXXX. The Last Reported Date, for the Address in XXXX NJ - you EQ - store, is XX/XX/2021. 
11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. 

The impact to me is devastating. 

Communications, and the like, validation of who I am - is impacted by this fraudulent data.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. XXXX, Equifax, and XXXX are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( s ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX , XXXX and XXXX XXXX XXXX, not XXXX, XXXX, or Equifax. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of 1974.

15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.
Product: Mortgage

In XXXX I purchased my current home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX My mortgage was issued by XXXX for $ XXXX, and a HELOC was issued for XXXX. During the first year of mortgage I sent a letter requesting the HELOC be canceled ( see Attachment ). I refinanced the same home again in XXXX, again with XXXX to secure a lower rate and again a letter was to cancel the HELOC. In XXXX, I receive a letter from a company, XXXX XXXX requesting a payment in the amount of XXXX, to settle a mortgage debt which I have never taken out a mortgage with said company. So in XXXX, a Sheriff 's sale was filed and scheduled for said amount to which my only recourse was to file a XXXX XXXXXXXX. After the filing I completed the chapter and was discharged as satisfied and all creditors were paid as arranged. I am now once again facing the same action ( Sheriff 's sale ) by Statebridge company XXXX for the same amount as previously stated XXXX, plus interest and Attorney fees for a total of XXXX. I am attaching all the related documents. I am again forced to file bankruptcy due to the same tactic as previously stated but this time by another Company who I have no Mortgage agreement with or knowledge of who they are. The sheriff 's sale states that a XXXX XXXX XXXX XXXX filed the request. A previous compliant file through the CFPB, resulted in XXXX sending a correspondence that they have no knowledge or beneficial interest in my home ( see attachment ) so why is my home in a Sheriff 's sale if they did not file the request. Also does the Statute of limitations possibly apply in this situation..
Product: Debt collection

The debt collector showed my parents my debt information and even allowed them to take a picture of it with out my knowledge or consent. The date was XXXX XXXX. 
They showed the amount owed as XXXX. Even though I only owed XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc due to inadequate customer service and unfair practices which violates the consumer financial protection act ( cfpa specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected further more, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act efta and regulations E these actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations
Product: Debt collection

We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue. 

They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has had a profound impact on my life, causing significant stress and XXXX. I must emphasize that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Product: Credit card or prepaid card

I paid my balance in full, they continued to charge interest. When I called to inquire why interest was continued to be charged on a card with no balance, they said they made changes, I spoke with a supervisor who when I inquired about the interest being charged after balance was paid off I was told 2 different stories. I was told interest was charged daily then I was told it was charged monthly. I told them I wanted my balance paid again in full and I wanted the account shutdown. She said she would wave any future accruing interest and close account. I was never advised of any changes to the way they charged interest.
Product: Credit reporting or other personal consumer reports

Between XXXX, XXXX, and XXXX many details including : high balance, date of last activity, creditor remarks, and last payment are being reported differently violating my right as a protected consumer according to 15 USC 1681 to accurate and fair credit reporting. 
Also, Happy Money states in their privacy notice the promise that they do not share with non-affiliates which include all 3 credit companies I have listed in my beginning statement. This is a violation of my rights under 15 USC 6801, 15 USC 6802, and 15 USC 1681b. 
Furthermore, this account is allegedly charged off which means I should have received a 1099 cancellation of debt form from the IRS and that never happened rendering this reporting inaccurate.
Product: Money transfer, virtual currency, or money service

On or around XXXX a purchase of 4 money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got 4 new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact 1-800 number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the 1800 number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies.
Product: Credit reporting or other personal consumer reports

Credit Bureau Reporting Agencies : 1. The correct balance for Capital One account ending in # XXXX is {$6400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on XXXX and by XXXX point on XXXX which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. Capital One has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance. 

XXXX. The correct balance for Capital One account ending in # XXXX is {$3400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on XXXX and by XXXX point on XXXX which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. Capital One has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a dispute letter & mov letter. 

Its been over 30 days and they havent verified. 

I spoke with court house and they dont verify with third party furnishes.
Product: Mortgage

On XX/XX/year> U.S. Bank sent an initial closing estimate with fees associated for a mortgage loan. The credit report fee for this estimate was {$42.00}. The estimate was revised for reasons unrelated to fees on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX. The credit report fee changed from {$42.00} to {$42.00}, {$540.00}, {$630.00} and {$710.00} respectively. Other fees were added after the initial estimate, including a " before final inspect '' fee of {$120.00}. 

Closing on a home is obviously stressful and time sensitive with many moving parts and contracts amongst many parties. The bank understands that opposing these changes is a difficult proposition given the time crunch I am under. The idea that U.S. Bank, in the top 5 mortgage lenders in the United States, would commit to this sort of exploitative practice is appalling.
Product: Debt collection

On the evening of Tuesday XX/XX/2018 I received a warrant-in debt notice to appear in XXXX District Court one ( 1 ) business day later. The warrant-in-debt concerned a long resolved 6-year old XXXX  bill. XXXX XXXX represented the XXXX  as a bill collector. I called the clerk of court and explained I was not served within the time set forth, the debt was not owed and I wished to contest the matter. Additionally, I explained it was not physically possible to travel to XXXX, VA given one days notice. The clerk of court explained that I would need to arrange an equitable date between XXXX XXXX and myself. I called XXXX XXXX on that day and explained the debt was contested and that I intended to appear in court, given a proper notice. Mr . XXXX offered the date of XX/XX/XXXX, and I accepted. He informed me I would receive a notice confirming the date with a certain time to appear. The call was recorded by me after accepting Mr . XXXX consent. Today I received the attached letter informing me that a default judgement was entered against me and my son. The clerk of court stated to me today that there was no record of XXXX XXXX requesting the court continue the matter for any reason. He also did not inform the court service was not effected, or that XXXX XXXX and I had agreed on a future date. Further, XXXX XXXX obtained a default judgement against a XXXX year old child, after having been informed by me, and evidenced by payment from XXXX XXXX and XXXX XXXX that the payment had been received for all services received. Mr . XXXX client, XXXX XXXX, currently is being investigated for insurance fraud. Because Mr . XXXX client attempted to perform advanced dental services that he was not capable of performing, my son required extensive XXXX  XXXX to recover from the attempt. This is a well-documented event by all, and XXXX XXXX and I settled this issued over six ( 6 ) years ago, thus making this sneaky action by Mr . XXXX more egregious. Our family finds his behavior highly unethical.
Product: Mortgage

Last year XX/XX/XXXX I closed my mortgage, payment fixed XXXX, This year XX/XX/XXXX The mortgage company sent me a message tell me my mortgage payment going to be XXXX, When I call they said the company who does my escrow did it wrong so I have to pay the difference. is that something? I have been struggling to pay my mortgage never missed a payment now they add almost {$600.00} on top of my regular payment. 

People who that they profession, make they mistake I shouldn't be the one who paying for they mistake, weeks before we get to the close document passed on to many hands before closing no one seeing it. 
I think they try to kick me out so they can get advantage on me
Product: Credit reporting or other personal consumer reports

I found out there was a ford motor credit account under my credit, I called ford and sent them police report and FTC report and they still say its mine without showing proof. ive been out of the country since middle of XXXX so how did I buy anything. I did dispute XXXX inquires from XXXX and XXXX of XXXX from Ford Motor credit and even called them to tell them the inquires aren't mine. They rep said she'll let lending know its fraud, I guess she didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have loan with Sallie Mae and I got behind they dont want to try and help reduce my payments they call constantly and have been contacting people that I am in someone associated with leaving them a bunch of messages as well ... I try to pay with them and they pretty much set me up for failure and I am soo sick of dealing with them ... they call one of my husbands cousin whom we are not close with at all. Its getting ridiculous.
Product: Debt collection

My consumer right has been violated by capital one. Due to COVID-19, Ive had the time to do some research, and I the consumer have come across Title 15 U.S.C. I, l am hereby am notifying you, CAPITAL ONE that after all these years of paying my credit card bill in cash/Debit card I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached On XX/XX/2022, I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Capital One explaining this to them and demanded that they return all payments made to them, and to accept the coupon/money order payment/discharge in accordance with Title 15 U. S.C. 1692. They have ignored my demands. 

I am asking the CFPB to step in and help to enforce my consumer rights.
Product: Credit card or prepaid card

Re : XXXX XXXX XXXX XXXX To whom this may concern. I have attempted to reach customer service without success, is there a conspiracy? Its being over two weeks and snail mail no responded as well. Recording may say an hour delay, but calls are getting disconnected while waiting, I will give an opportunity to rectify before heading to the Consumer Finance Protection Bureau. I have contacted both XXXX and XXXX asking for a refund of ticket purchased, per USDOT https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However they have not processed the refund, both airlines canceled their services, and was advised to dispute charges, something done in writing here. I am copying this mail to the US DOT - XXXX XXXX XXXX Thanks. XXXX XXXX XX/XX/XXXX XXXX XXXX Airfare ... XXXX {$1900.00} XXXX, FL XXXX Merchant Website Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Appears on statement as : XXXX   XXXX XXXX FL XXXX XXXX XXXX XXXX Airfare ... XXXX {$460.00} XXXX, FL XXXX Merchant Website Purchased : Thu, XX/XX/XXXX Posted : Sat, XX/XX/XXXX Appears on statement as : XXXX XXXX XXXX FL Capital one send paperwork to be filled exactly what is described above and asking to be faxed, name of merchants and amounts etc, if they would read the complaint they will see all need data, they have failed to reach out as well.