23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email alert from XXXX that resource credence management added {$600.00} to my credit report from XXXX. I don't have XXXX and never had XXXX I had XXXX and XXXX but had to get rid of them because they have horrible practices with seniors so instead of writing you I switched to XXXX and have been with them for some years. I have written the FCC about XXXX and XXXX because no one seems to care they just do whatever they want to do. I am currently going through XXXX XXXX and I can not afford to have my credit destroyed from people doing shady practices. I don't owe XXXX and will not pay them. I need your help. If I owed XXXX I am certain they would have contacted me because I worked for them for XXXX  years and that's why I would not use them at all. You also need to stop XXXX XXXX XXXX and XXXX XXXX XXXX from offering people stuff then you get a bill and it triple. Please help
Product: Prepaid card

XXXX internet in Texas. 
After cancelling the service, they refund any balance ( {$50.00} ) in the form of a XXXX XXXX card. The card expired after 6 months ( XX/XX/year> ) This practice should not be allowed, just send me a check. 

The paper work says that if the card was never activated then I can call up to 5 years to request a replacement. 
The card is managed by North Lane Technologies and they provide a phone number XXXX. 

However the system is not recognizing the card # and the phone system is completely automated and there is no way to speak to an actual person. 
So I'm stuck and they still have my {$50.00}.
Product: Credit reporting or other personal consumer reports

I have been working with the credit bureaus to remove DIVERSIFIED ADJ SVC, The account doesn't belong to me, I have no idea what it's in relation to as it says it's XXXX but I've never had XXXX account or done business with them in any way shape or form. I've waited a long time for a response and I'm tired of the runaround. I'm hoping you can help me get this removed as it has to be an error. 

Please advise what I can do to assist in this process. 

Thank you!
Product: Debt collection

In XX/XX/2016, the case was dismissed and the rent is still with the City of XXXX. XXXX XXXX is aware the money is there. National Credit Systems is reporting to XXXX  that owe {$9000.00} which is not true. I have proven that no rent is owed and their attorney dismissed the case of me owing anything. 

National Credit Systems is reporting incorrect information.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This is my XXXX lease with Audi. I have always turned in my leases early with no issues. I initially went to trade in my car and get into another lease in XX/XX/XXXX. My credit had taken a hit but I had excellent payment history on 5 other cars with Audi. They turned me down and told me to try again in a few months, which made no sense to me. In XXXX I tried again and they were able to get the lease offer to go through. I asked the salesperson about my remaining balance and the circumstances and she told me not to worry. Even when I was with the girl in finance, I asked her if my other car was paid and she also told me not to worry. There were two payments that were put at the end of my loan due to 1. ) paying out of pocket for XXXX treatment in XXXX and not being reimbursed and 2. ) a serious financial hit that I took from an accident in XXXX. Audi told me to let the dealer know about the circumstances and I did that. All was well until XX/XX/XXXX when I received a balance due from my other car. I immediately reached out to my salesperson and she basically gaslighted me. At one point she accidently sent me an email where she was speaking negatively about me which was inappropriate and upsetting. I spoke with XXXX XXXX and Audi Financial. Audi Financial would not work with me and I told them that I was duped by the dealer. I was in a bad medical situation due to XXXX and they lied to me. My car should have been paid off and I wouldn't have gotten into another car if not. They should have been up front and put that amount in my new loan or whatever they have done in the past. This is totally unacceptable. I've had issues with their service being unethical as well. They tried charging me several times in the past for items under warranty. In that situation, XXXX XXXX was able to assist and I never returned to them for service. Audi Financial refused to help. XXXX XXXX tried to assist and spoke with the GM of the dealership and he admitted to them that he has had issues with his team. When I tried to work with him to resolve this situation, it became harmful to my wellbeing. He was combative and rude. With my health issues, I'm not able to deal with this type of behavior. Last week, I received a collection notice regarding this disputed balance. I have exhausted all options to resolve. This is illegal and unethical. Taking advantage of a XXXX patient is so disturbing. Then on my current vehicle that payment was due on XX/XX/XXXX, Audi Financial is preventing me from making a payment. At first I thought it was a site error, but when I tried again today, there was NO way for me to pay my car payment online. There are no payment options available in my online account! I've been making on time payments since I started this lease!
Product: Credit reporting or other personal consumer reports

This is not a request/complaint to verify all these accounts but a request to Block/Remove them pursuant Section 605B ( c ) of the FCRA.

Under Section 605B of the Fair Credit Reporting Act I've requested to block identifying information on my Credit Report and Reporting Agency declined this request, even though, I've provided all needed documentation to support my request. 

Under Section 605B please block all identified information listed on my report. 

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

Ive been working with Lexington law on and of for years. But this last time had been the worst ever! I pay like XXXX a month for several months this last time and they hadnt even disputed more than 2 items for the last month I was with them and they had a nerve to want me to pay like XXXX for the months when I canceled it. I even got a letter from one of the companies I disputed back saying I needed to put the account number on the letter cause they couldnt find anything. Also they couldnt pull my XXXX report for several months. So why should I have to pay the full amount when Im not getting all the services they provide.
Product: Money transfer, virtual currency, or money service

This is a resubmission or my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( XXXX ) and Electronic Fund Transfer Act ( XXXX ) the CFPB 's lawsuit filed XX/XX/year> ( Case XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically 24 denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.
Product: Money transfer, virtual currency, or money service

I was with XXXX XXXX XXXX XXXX I left in good standings and my ex wife didnt which they made me pay on her bill illegally. I am total XXXX XXXX XXXX XXXX XXXX  which they took advantage of my situation. The person at XXXX XXXX XXXXXXXX XXXX of XXXX XXXX XXXX He called them and set up for me to make payments on XXXX $ I dont owe. The dept collection for XXXX XXXX is Conserve dept collectors Which it messed my Credit card up right now as they investigate XXXX days XXXX XXXX said this would help my credit, and on a recorded line he said I will call when I get home explaining about my wife and I just wan na do the right thing thats a lie Why? Because I would never pay someone bill when I only get low income. 
Conserve took my card off but I made a {$89.00} and a {$100.00} payment already FRAUD is what it is I want to sue them for my damages and whatever else come with it XXXX XXXX if unavailable leave message
Product: Checking or savings account

on XX/XX/2021 I made a payment to my insurance company, XXXX XXXX, using Bank of America 's online bill pay option in the amount of {$1100.00}. Evidently, B of A uses XXXX XXXX to process their bill payments. XXXX XXXXXXXX received the {$1100.00} payment on or about XXXX but XXXX XXXXXXXX was unable to match the payment to our insurance account due to a change in their billing system and returned the {$1100.00} payment to the issuer, in this case, XXXX XXXX. XXXX XXXX has not refunded the money back to Bank of America to credit to my account. It is a business account. Bank of America has issued us a case number, back in XXXX of XXXX, but has been unable to resolve this issues and credit our account the {$1100.00} due. I have spent hours on the phone and hours dealing with a person at 2 different B of A branches to resolve this issue and keep getting told there is nothing they can do until XXXX XXXX gives them more information. My relationship is with B of A, not XXXX XXXX and XXXX XXXX will not deal with me to assist with this matter. I asked for a provisional credit to the account but was denied by B of A and told I'd just have to wait until they can do further research. No one is willing to take the time to solve this issue and I am unable to speak with anyone in authority to assist me with the refund/credit. My money is lost in limbo somewhere in the Bank of AmericaXXXX XXXX digital orbit!! I have all the documents available to me that traces this issue from Bank of America, through XXXX XXXX, to XXXX XXXX and XXXX XXXX returning the {$1100.00} to XXXX XXXX where the funds become lost.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX XXXX XXXX has not provided documents or documentation supporting their investigations despite repeated requests for the information on how and why they allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX and XXXX of 2019 without alerting me or flagging the accounts. XXXX XXXXXXXX XXXX reporting negative on my credit reports. despite DC police report XXXX. DC DISB report XXXX XXXX investigations that XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges. XXXX XXXXXXXX XXXX and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX CARD # XXXX - DATE OPENED XX/XX/year>
Product: Mortgage

The mortgage company removed me from autopay without notifying me via emailing, then reported me to credit agencies for non-payment when my payments were cancelled by them. 

For context, autopay worked fine for the first 6 months of the loan ( XXXX XXXX XXXX ). In XXXX, they told me autopay would be reset and I would need to sign up again. I signed up for autopay on XX/XX/2022, and I've attached the e-mail confirmation I received from them on XX/XX/2022 that autopay was setup and my first payment would be made on XX/XX/2022. Between XX/XX/XXXX and XX/XX/XXXX, they removed my account from autopay without notifying me via e-mail. Payments were never processed and they reported me to credit agencies when my account went 30 days overdue, causing a significant drop in my credit score.

I have complied with all of the mortgage company 's requests. I've messaged them, called them multiple times, they asked me to file disputes with credit agencies and I did ( they denied the disputes ), I've submitted disputes and Goodwill letters through their own system and they rejected them.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, my sister in XXXX, AL called me to ask if I would be willing to co-sign a loan with her so that she could get new windows and siding for her home ( work to be completed by XXXX XXXX XXXX ). I spoke with a sales rep, XXXX, by phone, who asked if he could run a credit check on me to see if I was eligible to co-sign with my sister. I gave him verbal permission to do the credit check. My credit was okay, so I agreed to co-sign a loan for {$21000.00}. I told my sister she could sign my name as CO-BORROWER. It is my understanding that XXXX  and my sister discussed an arrangement in which she would be the first line of contact for billing statements related to loan servicing. 

In XX/XX/XXXX, I began getting repeated calls from GREENSKY, which I later found out was the loan servicer, not XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, XXXX informed me that the loan payment was 13 days past due. I assumed they had also contacted my sister since we were to be co-borrowers, but they said that I was listed as the SOLE borrower on the loan, so they could not talk to my sister. 

At no time during the XX/XX/XXXX phone call with the sales rep, XXXX, had I been informed that I would be the SOLE BORROWER on the loan. In early XXXX, I called XXXX XXXX XXXX and spoke with XXXX. I explained the situation to XXXX. She said she would have XXXX call me back. After several hours, XXXX had not returned my call, but he contacted my sister. My sister sent me a text which said XXXX had called her to say that I had given permission to be listed as the SOLE borrower on the loan. Im not sure why he called my sister instead of me, since the loan had been put in my name, and I was the one who called him. 

Immediately afterwards, I again called XXXX XXXX XXXX and spoke with XXXX. This time XXXX called me back. I asked him to explain how the loan ended up with me listed as the SOLE borrower on the loan. He said I gave permission. 

I did not give permission to be listed as the SOLE borrower on my sisters loan. I agreed to co-sign with her on the loan, but I would not have taken the responsibility of being SOLE borrower if I had known that Greensky did not want my sister listed as a co-borrower. This information was not clearly communicated, if at all. As a result, I did not have the opportunity to make an informed decision about whether or not I wanted to be a participant in the loan agreement. 

It makes sense to me that if I had agreed to be SOLE borrower, then all loan paperwork would have come to me for signatures. After the XX/XX/XXXX loan date, I did not get any paperwork, sign any paperwork, or get copies of any paperwork showing me as SOLE borrower. I had to request the paperwork completed on XX/XX/XXXX from XXXX XXXX XXXX. XXXX was emailed to me in XX/XX/XXXX. 

I had not been informed that Greensky would be the loan servicer. I only found that out later after repeated calls for XXXX collection. 

I submitted written complaint letters concerning this matter to Window World XXXX on XX/XX/XXXX and to the Alabama Attorney Generals office in XX/XX/XXXX. Neither entity helped me to resolve the matter.
Product: Mortgage

1 ) I have been in my home for over 25 years - 2 ) have been behind and some catch up payments have been made - 3 ) Each month when I call to make my payment I am told I owe thousands in late fees I argue and pay around {$420.00}. 4 ) Do not have a payment book or any consistent payment statement sent to my home monthly. 5 ) Strangers have come to my home verifying that I live there - when I call the office I have been told " you signed an agreement and are being charged for the person to observe your home '' - I have never signed anything with this current mortgage company. 6 ) Principle remaining on the house is & lt ; {$15000.00} and the interest rate is 9 % and my monthly payments are relative low around {$350.00} plus their added monthly fees and additional late fees.
Product: Credit card

Last XXXX week, checking my credit store I found a new opened account on XX/XX/year> from ELAN FIN SVCS/FIDELITY with a balance unpaid of {$1500.00} usd. 
The account number shown is XXXX. 
the report only has that information, account number, balance, an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ELAN FIN SVCS/FIDELITY as creditor and Credit card bank type. 
I have never opened an account with that bank or whatever it is. 
I'm very worry that I have been object of identity theft. 
I want this account closed and of course I am not going to pay that balance. 
please check my credit score to see that I try to be very responsible paying all my accounts. 
Please help me. 
I had to edit this section because I was asked about the billing mail address of that credit card but I have no idea which could it be. I have never received a bill by mail or by email.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$270.00} XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I paid my XX/XX/XXXX mortgage payment in two different payments on XX/XX/XXXX and XX/XX/XXXX. I had to do that because Rushmore Loan Management changed my balance due AFTER I had already made my usual monthly payment ( which was 2 weeks before the due date ). 

Because I did not send the full amount due, they assigned my payment to principle. When my second payment went thru, they did the same thing. So, it looked like I did not make my XX/XX/XXXX payment. When, in fact, I had paid the full amount by XX/XX/2023. 

On XX/XX/XXXX, I received a default notice from Rushmore Loan Management in the US Mail saying I had not made my XX/XX/XXXX payment, which was false. They threated to begin default processing on XX/XX/XXXX " if I didn't pay '' -- which I already did. 

I have since shown my bank records and proven to Rushmore Loan Management of their mistake. They said they " mis-assigned my payment. '' Clearly their mistake. They admitted it. I can share with CFPB the reference number that connects to my recorded conversation with the Rushmore Loan representative, if needed. 

I wanted to advise you that I believe their loan collection tactics are aggressive, unnecessary and boarder on fraudulent. I have been their customer for more than a decade. I pay every month. They can see that. They made no attempt to reach me or to ask if there was something they had missed. They immediately jumped to default notices. 

It's a disgusting business practice that they are doing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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

Toyota Financial services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. Toyota is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. Toyota will not help and it is messing our process of purchasing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you