23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday morning, XX/XX/XXXX, at approximately XXXX XXXX ( Pacific Time ), I  received a telephone call at my office from XXXX XXXX XXXX XXXX. 
The caller identified herself as " XXXX XXXX '' ( " Caller '' ) working for a firm collecting monies I owe " XXXX XXXX '' ( " Bank '' ). The Caller informed me I was about to be sued, and, in the instant case, she was working with an attorney in the office of the district attorney , County of XXXX XXXX. She said I would soon be served if I did not pay the amount due. 
The Caller 's tone was stern and her message intimidating and threatening. 
I told the Caller that I did not know the Bank. I advised the Caller she had contacted the wrong person. 
The Caller informed me I had made loan payments for five years and wanted to know why I had stopped making payments. 
I reiterated that I had conducted no business with the Bank, had made no payment to the Bank, and owed no money to said Bank. 
I told the Caller I was in my office and could not take personal calls, and, with no further comment, ended the call. 
Even though the Caller had been advised she was calling me at my office, on XX/XX/XXXX at approximately XXXX XXXX ( Pacific Time ), while I was in my office, my telephone registered a call from the same number from which the original Caller had called on XX/XX/XXXX. I did not answer that call. No voice mail message was left. 
During the week of XX/XX/XXXX, I received via United States Postal Service first class mail a notice from ARA , Inc., identifying the original creditor ( XXXX XXXX ),  the original creditor 's account number, the balance due, and the ARA, Inc., file number. The notice is included in the attached .pdf file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed n accordance with the Fair Credit Reporting act Account Name : XXXX XXXX  Account Number : XXXX Balance : $ {$19000.00} has violated my rights On XXXX XXXX I sent a letter to XXXX for proof of original agreement. I haven't receive my documentation of proof instead a letter stating the account has been verified but I need to know how the account was verified. Furthermore, they are continuing to defame my character in my credit report. I have attached a printed document of them changing their remark reducing my credit score by XXXX points. This is grounds for removal and if this account continues to come back verified without the proper documentation, I will be forced to take further action.

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 that a consumer reporting agency can not furnish an account without my written instructions.

Also, the credit bureaus took more than 30 days to complete my investigation. 

According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the item immediately removed from my credit report. 


Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I have disputed hard inquiries from my credit report dated back to 2020. That I am unaware of as I was notified that my information was involved in a data breach from a medical facility. I reached out to the credit bureaus and companies and have not been able to have this issue resolved. Its been over 60 days.
Product: Student loan

On XX/XX/XXXX, I submitted complaint XXXX stating that Nelnet provided email correspondence stating that borrowers would be automatically switched to electronic mail ONLY, unless they opted out by XX/XX/XXXX. The link Nelnet provided only allowed for borrowers to OPT IN to electronic mail. 

Nelnet responded on XX/XX/XXXX. Among their various misstatements and refusals to remedy this issue, Nelnet stated The opt-out option is not available until XX/XX/XXXX, as you are not currently enrolled. 
On XX/XX/XXXX, you can opt out of XXXX directly on your XXXX account. 

Nevertheless, my case was closed by the CFPB. My follow up comments were not transmitted to Nelnet. And Nelnets wrong-doing continued unabated. 

My calls to ask to stay on POSTAL MAIL correspondence were disconnected or met with You mean you want to opt in to email only? Because thats all we can do On XXXX, I logged onto my Nelnet account so I could OPT IN to postal mail, andI learned that Nelnet does not offer such an option. Their only option allows me to opt-in to electronic mail. 


Nelnet only notified borrowers of this change using email which disenfranchises borrowers with limited access to electronic mail. Nelnet refuses to set up the infrastructure for users to opt out of this change. Nelnet has failed in its notice requirements, and committed fraud against its borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 {$26.00}, XX/XX/2021 {$26.00} on these dates I didnt pay an was charged a late fee. How when a finance charge is being collected under my rights have been violated under these statues 15 usc 1692d, 15 usc 1692e. Ive repeatedly told the company to remove the negative reporting from the consumer reporting agency
Product: Mortgage

There was an issue a while back where my taxes were we're being paid to the wrong address and once it was corrected they had to pay a lump sum to the county clerk to pay up all that they owed. However the problem was they had already paid out some for that year so it pushed my escrow account into the negative which increased my monthly payments by a large amount. I was able to reach out and have them look into the issue and realize that they had sent out a payment for the returned funds from the incorrect tax payments and that had never gotten to me so they were able to stop payment on that check and apply that payment to my escrow account to bring it back up however they still were never able to get my payments back to the original amount it was beforehand. I have told them numerous times the reason I believe that this is the issue is because there is an extra payment that was made last year besides for the total taxes that were paid and when I look at my account it says the total taxes that were paid out were around {$950.00} over what my taxes were for the year. ( My account shows that for the year XXXX taxes were paid at the amount of {$4300.00} when in reality the tax bill was about {$3400.00} and for reference for the year XXXX even after taxes have gone up about {$100.00} or so the only paid {$3500.00} ) They can not seem to figure out where that payment is and why my monthly mortgage payment is still higher ( I was told at the time that the escrow analysis was made after refunding that payment to my escrow that there still is a slight deficiency even though it's not in the negative but it should have a cushion and until I add enough to the escrow I'll be paying slightly higher payment monthly however if all the payments made to taxes were correct and all the extra money was refunded to the right people my payment shouldn't have gone up )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and it appears that Equifax and XXXX  are not reporting any trade line history. Only XXXX  is reporting any credit history on my behalf. I have contacted both Equifax and XXXX  and they can not find any identifying information on my behalf in their system. This is very concerning because there are fraudulently items being reported on my credit report by XXXX. I have attached a copy of my drivers license and social security card for reference. Please review my credit report and include credit history for both Equifax and XXXX.
Product: Mortgage

The Shellpoint XXXX property valuation was severely inflated - this XXXX agent stated that he was directed to list the XXXX value at {$600000.00}, although he originally set the value in the low {$420.00} 's. After obtaining XXXX more Shellpoint approved XXXX estimates AND XXXX Shellpoint approved impartial certified appraisals, we have submitted a XXXX Real Estate Contract dated XXXX/XXXX/XXXX for {$390000.00} that is well above the current certified appraised market value of {$350000.00}. This offer aligns with all FHA guidelines and requirements. However, Shellpoint has remained unresponsive to our efforts for more than XXXX XXXX months. We feel that we are being severely mistreated by this loan servicing company. They must be investigated, meanwhile we continue to pay for legal counsel. Our Foreclosure Judgement date is XX/XX/XXXX at XXXXXXXX XXXX. To complicate matters, I have been battling Multiple Myeloma XXXX for the past XXXX XXXX years. Last month I was diagnosed the XXXX XXXX has relapsed for the XXXX time, after XXXX XXXX XXXX XXXX and 9 years of XXXX, XXXXXXXX XXXX XXXX XXXX XXXXs. An aggressive treatment protocol begins next Monday, XX/XX/XXXX by my XXXXXXXX XXXX doctors. There is some life threatening side effects that occur 60 % - 80 % of the time, so I XXXX not survive. Our goal has been to resolve our mortgage loan obligation for either a loan modification ( that was ultimately declined in XXXX XXXX ) and then we were approved by Shellpoint & their client, XXXX ( aka XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX, our single point of contact at Shellpoint, informed our authorized advisor, XXXX XXXX, that from the very beginning, Shellpoint & their client, XXXX ( aka XXXX XXXX XXXX ), the most recent mortgage owner of several, were ONLY interested in Foreclosure. Meanwhile, they have been leading us to believe that we had a reason to hope for an approved short sale. Now my wife & I are afraid that I may die during this upcoming high risk XXXX treatment, BEFORE we are able to resolve our mortgage obligation. I do NOT want to leave this financial burden and further destruction of our credit rating, for my surviving wife, XXXX children and XXXX grandchildren! 

Please help us! We have come to understand that Shellpoint Mortgage Loan Servicing and their client, XXXX ( aka XXXX XXXX XXXX ) " DUAL TRACKING '' practices over the last more than 9 months are ILLEGAL, UNETHICAL and STRICTLY PROHIBITED! 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX # XXXX
Product: Vehicle loan or lease

I sent out a payment of {$430.00} through certified mail on XX/XX/year>. I asked for a return receipt and I also asked for a signature. Online it is showing as delivered and left with an individual at the posted address for payments on XX/XX/year> at XXXX pm. That address is Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have called on that day to ask about my payment and they told me it had not been recieved. When I told them that it was delivered on XX/XX/year> @ XXXX, they paused and then said that it would take XXXX hours to reflect. I wait 2 days and call back. They say they still have not recieved it. I again tell them that through the online tracking I have from sending it certified, that it was delivered on XX/XX/year> @ XXXX XXXX. They then say it could take a few days. Now they are calling me from numbers that have my area code even though this is a XXXX XXXX XXXX. There is no westlake financial on XXXX XXXX XXXX. I again stress that it has been delivered and note the date and time and then they threaten to report my car. I called back and have been hung up on multiple times. I have gotten through to a manager today, XX/XX/year> @ XXXX and after providing him the confirmation number he proceeded to hang up on me. I then decided to report them 100 % for sure.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXXXXXX XXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint with the CFPB about an error code Please give us a call and give this code to the XXXX XXXX XXXXXXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

Equifax Responded with Dear XXXX XXXX, We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team. 

I don ' have a problem with logging in to my Equifax account, that is not the problem.The problem is that i am getting that error message above after I login into my account as if my report is blank or Equifax has had a data breach.I am asking Equifax to do a full investigation on the error code and fix my report so that it would not cause me any further credit damage.This is my second complaint about this error code. 

I need Equifax to fix this error : Please give us a call and give this code to the XXXXXXXX XXXX XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

This is my second attempt to fix this ongoing problem.I hope Equifax understand what I need corrected this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings have indicated that Zelle has not only neglected to protect to protect consumers but also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety!
Product: Bank account or service

Chase has been charging me {$34.00} nsf for every transaction i dont have funds for, even when i dont have overdraft protection, and on top of that, the transaction get returned and they charge me another {$34.00}. so they made {$68.00} total per transaction from me for doing nothing for me. they just started doing this this year. before when the transaction is returned, they refund the nsf {$34.00} but now instead, they charge another {$34.00}. Doesnt make sense to just start changing the agreement and rules. the fees has accumulated over couple of hundreds already and i dont have the money to pay their fees for what shouldnt even have been there since the transactions never went through. when i complain to the, they just said its because i dont have the funds. Ridiculous. Help me out!!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the ongoing issues I have faced with my account at 3 Credit Bureaus. Despite several attempts to rectify the situation, fraudulent items continue to appear on my account, and my concerns have not been adequately addressed. 

To provide you with a clear overview of the situation : I have made multiple attempts to remove fraudulent items from my account, including : Despite these efforts, fraudulent items persist on my account, causing significant distress and financial harm. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which are both distressing and unacceptable. The fraudulent charges and items are as follows : An immediate and thorough investigation into the origin of the fraudulent items on my account. 
An explanation for the recurring issues and a clear plan for the removal of all fraudulent items. 
The reversal of all unauthorized charges and the removal of fraudulent items from my account. 
Enhanced security measures to prevent further fraudulent activity on my account. 
A written response detailing the steps you will take to rectify this situation within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the specified time frame will leave me with no choice but to escalate this matter to higher authorities, including relevant regulatory bodies and law enforcement agencies. I believe that this situation can be resolved amicably and without the need for further escalation. Please help me remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 company Fidelity creditor services amount-XXXX request for company to remove this item i am writing to request a item to be removed of the following company list on my XXXX  consumer report. I have no knowledge of this item i'm a victim of identity theft i have place a credit alert on my consumer report to prevent this from happening. i have not received any verification of debt. nor is is this a promise to pay and is not a payment agreement unless you provide a response of verification i am asking for the following negative item be removed as it is preventing me from housing, and employment i will also extent my fraud alert on my consumer credit report.