23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The servicer for my mortgage is engaging in a systemic pattern of delays in responding, XXXX logins and updates requiring new registration increase the likelihood of late payments. 

Facts : * My home loan is with XXXX XXXX.They utilize XXXX XXXX XXXX XXXX XXXX ( XXXX ) as their servicing firm. The website for payments is XXXX XXXX XXXX * Every month, I enter the same UserID and Password I used the prior month. Every month, it does n't work. Every month, the website flashes a message stating " Please contact us via email so that a Customer Service Representative may help you access your account. '' Every month, they wait 5 to 7 days to reply. 

My payments are due on the 1st : * XX/XX/XXXX : I needed to make my first payment. I contacted XXXX  because the servicing site would not allow me to register my account * XX/XX/XXXX : I was finally able to log on to servicing site, and submit my payment. 
* XX/XX/XXXX : Only time in the short servicing period was I able to log on without assistance. But, it proves I did know my User ID and password. 
* XX/XX/XXXX : Account locked out. Per website instructions, I emailed customer service ( for loan servicing : XXXX ). 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Account locked out. 
* XX/XX/XXXX : Email advising account was now unlocked, and that I should use the " Forgot User ID '' or " Forgot Password '' options in the future. Only problem is, I had n't forgotten either. They just simply no longer worked. 
* XX/XX/XXXX : Emailed Mortgage holder 's help address ( XXXX ) regarding the horrible experience I was having with loan servicing. They apologized, and gave me a special number to call. XXXX said my account had an old loan on it, and she deleted it. 
* XX/XX/XXXX : Account locked out. Emailed both loan servicer and mortgage holder about persistent login issues. 
* XX/XX/XXXX : Received notice from loan servicer that I would need to re-register my account because they had upgraded their website. Their message told me the loan number to use for future questions. 
* XX/XX/XXXX : I need two previous statements, so I tried to log in with my newly re-registered UserID and password. They do n't work. Website looks different, so when it suggested I re-register, I presumed it was a new website from their development efforts. I entered my loan number ( same one as received in the XX/XX/XXXX message above ), but system says I do not exist. No one to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

Equifax deleted one of the accounts but XXXX and XXXX still have the account present on my profile and the information doesn't match.
Product: Checking or savings account

TODAY, XXXX, I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY DECLINED MY REQUEST TO OPEN A DEPOSIT ACCOUNT WHEN I DID NO SUCH THING. AT NO TIME HAVE I TRIED TO OPEN AN ACCOUNT WITH BANK OF AMERICA. 

I CALLED THE NUMBER ON THE LETTER FROM EARLY WARNING SERVICES AND THEY ADVISED THAT I MAKE A CLAIM WITH FTC.GOV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry report from XXXX. XXXX XXXXXXXXCustomers Bank XXXX XXXX copy of my credit report on XX/XX/2022. I don't know this company nor did I have any business with them or initiate opening an account. I called customer service and they can not find any record of an inquiry in my name. I then spoke to XXXX and they stated that someone likely may have attempted to open an account in another name using my SS number! XXXX strongly suggested that I start this complaint with you.
Product: Credit card or prepaid card

I had received a letter in the mail from Comenity Capital Bank, saying I sent a recent application for XXXX CREDIT credit card account. This was Not me! I did not apply for a credit card I have never even started to build my credit at all! Someone used my social to apply for a credit card. Someone knows my social and is using it! It states Your credit score as of XX/XX/2022 : was not able to be calculated because of inability to verify your previous credit experience I want to know if I can also get a new social because someone knows my numbers and I dont want this to happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX, ASSIGNED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX, ASSIGNED ON XX/XX/XXXXI have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my Equifax and XXXX credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX and 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

In XXXX I had a legal issue with WELLS FARGO BANK -- - Long ago it has been adjudicated in XXXX. CASE CLOSED! Yet they keep negative reporting on me. Please cease and desist. Matter is over and done,
Product: Vehicle loan or lease

i leased an automobile from kia of XXXX in ohio, at the use of my credit extension with seller. there where several mechanical issues, i returned the car to the dealership, after 18days of not having a vehicle once returned, i was informed that " under my powertrain limited-lifetime warranty '' my engine had been replaced with a used engine this was all done without owners consent, which violates my constitutional rights as well as my privacy rights, and the sellers obligations of non-performance and responsibility.
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. Please see this account is removed from my file at once. If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed .... Bankruptcy XXXX XXXXDischarged Filed on XX/XX/year> Reference number : XXXX
Product: Student loan

XXXX XXXX XXXX cancelled my student loans by executive order. I graduated from XXXX XXXX  and the program I enrolled in did not provide me with the tools and knowledge to become a XXXX. I earned a XXXX XXXX XXXX in XXXX. 

I filed paperwork a few years ago to get the loans discharged. Great Lakes has simply refused to discharge my student loans. 

My student loan balance is not accurate and should be at XXXX i.e XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, born XX/XX/1975, with mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Someone seems to have created an account on your site, frauding as me, and has changed my age from XXXX to XXXX online, and destroyed my credit. 

I have sent credtified letters, and called many times. Your team does NOT help. They are nice, but repeat same double talk. 

I dont know who created the account, with what email, but they have ruined my life
Product: Credit reporting 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 items 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 items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX  : {$300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX : {$870.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off my vehicle with KIA Finance over 4 months ago. I have been on the telephone with them for over 3 hours in 5 separate calls. They will not send me a title. 

Background : XX/XX/XXXX : I paid off my lease to purchase a XXXX XXXX XXXX. I received acknowledgement of the payoff. 

XX/XX/XXXX : I received a " letter of no interest '' from KIA Finance ( the leasing entity ). I was told this letter would be sufficient to obtain a title in my state of residence, Virginia. 

XX/XX/XXXX : With the pandemic backlog at the Virginia DMV, this was the next available appointment to get a VA title. On that date, VA DMV personnel told me I needed : a ) the original title, b ) a bill of sale, and c ) what sales tax may have been included in the purchase.

I requested and received a written letter to this effect from VA DMV. I then made a request for these items through KIA Finance Customer Service. I first talked with an individual named XXXX, then a supervisor by the name of " XXXX ''. XXXX told me a title would be sent in 5-7 business days. I faxed the request from VA DMV directly to XXXX XXXX 's Title Department to make sure they understood the request for these documents was from the VA DMV, not me. This call 's duration was 1 hour and 2 minutes. 

XX/XX/XXXX : With no response, I called KIA Finance customer service again. First a person by the name XXXX, then a supervisor by the name of " XXXX '' ( sp? ). 
XXXX promised a call-back with an update. Call duration : 22 minutes. I did not get a return call. 

XX/XX/XXXX : I spoke with a person named " XXXX ''. He said the issue had been escalated, and action would be taken in 3-5 days. Call duration : 13 minutes. 

XX/XX/XXXX : A customer service person named XXXX confirmed a title had NOT been sent. I was connected to a supervisor by the name XXXX. When XXXX could not help me, I was connected to a manager, XXXX. XXXX said he would " do his very best to get a response from KIA 's title department ''. He suggested I call back the next day for an update. Call duration : 48 minutes. 

XX/XX/XXXX : This time I was connected with a " special agent '' named XXXX, supposedly working with the KIA title department. She said a request had been made with the title department, and I would have to wait 5-10 days for a response. When I told her this was unacceptable, she tried unsuccessfully to reach the manager, XXXX. When he was unavailable, XXXX said she would try to find someone else who could help me. After 45 minutes, the line disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.
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 was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers but has also allowed 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: Credit reporting, credit repair services, or other personal consumer reports

NCTUE sent me a scammy letter claiming their proprietary credit report contains negative information. The agency has a terrible website and is completely unusable for finding the negative information. Calling the number results in an automated system asking for PII with no assurances of data handling.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and XXXX are not approving the dispute, resulting in the open on the XXXX XXXX XXXX  still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.
Product: Mortgage

REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE
Product: Credit reporting, credit repair services, or other personal consumer reports

DATED XX/XX/2019

XXXX/FORTIVA 
XXXX XXXX XXXX
XXXX XXXX XXXX


I WANT MY CREDIT SCORE TO REFLECT THAT I DO NO OWE OR WAS EVER LATE ON ANY ACCOUNT WITH FORTIVA.

I WANT A REFUND OF MY XXXX AND FOR FORTIVA TO STOP, REPORT FALSE INFORMATION TO THE CREDIT BUREAU.

I WANT FORTIVA TO STOP REPORT FALSE INFORMATION ABOUT LATE PAYMENTS. I DO NOT HAVE ANY ACCOUNT WITH FORTIVA, THE ACCOUNT WAS CLOSED ONXX/XX/2019


I WOULD GREATLY APPRECIATE FORTIVA TO IMMEDIATELY DISCONTINUE REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS.  AGAIN I DO NOT HAVE ANY ACCOUNT WITH  FORTIVA. 


AGAIN I AM REQUESTING YOU DISCONTINUE TO REPORT FALSE INFORMATION TO THE CREDIT BUREAUS IMMEDIATELY AND INFORMED THEM THAT THOSE 2 MONTHS THAT THEY FRAUDULENTLY REPORTED AS LATE ON MY CREDIT WAS FALSE, THAT THEY BE REMOVE IMMEDIATELY AND HAVE MY CREDIT SCORES RESTORED. 
 

XXXX XXXX
Product: Vehicle loan or lease

Keep on me for 10 years, but want to delete it account settled
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 violate 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. Furthermore, 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I verify my credit report and noticed several inaccuracies on my account. This specific account is hurting my ability to obtain credit. The account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Today, XX/XX/year>, I received numerous calls from a man who said he was with Chase bank. Here are the various phone numbers he called from : XXXX, XXXX, XXXX, XXXX the first XXXX calls were identified as " Chase XXXX XXXX ''. The man said his name was XXXX XXXX and he was calling from Chase because someone in XXXX, XXXX had applied for credit card on XXXX, XXXX  for {$10000.00}. They were ready to approve it but they noticed i was located in XXXX, He knew my Social Security number, name, phone number and city and state of residence. When i said I had not applied, he said he would decline the application. He then gave me a case ID number of XXXX and said he was transferring me to the CFPB. A man answered and stated his name was XXXX XXXX with the CFPB and he would get this straightened out. He talked in circles about how federal law protected senior citizens from high interest rates being charged by bank. He said the banks were in violation of federal law and they had shared my SSN on the public domain and that's how somebody had applied for credit in my name. He said he would fix it for me and my XXXX would again be private but first he had to cancel all my credit cards. At that point, I knew it was fraudulent, so I hung up. The man supposedly from Chase called again and started the whole conversation again .... denying having called before and then screamed that he would just approve the cc application. I called the CFPB to see if that man was an employee and if the case ID was legit ... NO..Neither was legit. I called Chase to see if any pending cc applications existed ... .NO. I checked the credit bureaus to see if a credit report had been pulled on XX/XX/XXXX. No .... nothing showed up on any of the XXXX bureaus.
Product: Checking or savings account

I have numerous dates from the time I opened my account until this month were i had card issues with vash app. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had so many vard error transactions not going through and that lead to loss in money for my businessand closingan account. This put me in debt and caused XXXX XXXX and stress in my life. I am still dealing with issues from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit card

After review of my credit report, I have discovered I am the victim of Identify Theft. See attached
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 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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 the 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: 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 in numerous occasions and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed my that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed 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: Debt collection

This creditor repeatedly reports false information on my credit report after numerous conversations of indefinite removal, violating the Fair Debt Collection Practices Act during a worldwide pandemic, legal action has been taken.
Product: Debt collection

Spoke to XXXX XXXX XXXX about a medical debt from XX/XX/XXXX. The balance is {$5000.00}. This debt was bought by Wakefield and Associates. Every month, I am being charged interest and fees on this medical debt as if this is a credit card, etc. Also, the debt was placed on my credit report XX/XX/XXXX. Why haven't I been contacted by this company and why am I being charged interest on a medical debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received the bill from the Car loan company. They never contacted me.