23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, I opened a charge card with Ann Taylor. Suddenly, in XXXX Ann Taylor contacted me for a late payment for an order that I never purchased. I told Ann Taylor that this was a fraud and I asked them to close my account right away because I didn't receive any items of this order and I never made any purchase for the order. Then, Ann Taylor kept calling me and asking me to make the payment for the order. They called me so many times and they even called my family in Texas to ask my family to make this payment. They wanted me to make a payment of {$2400.00} including the original amount of {$11000.00} and the fees for the past due dates. They called me and my family so many times although I kept telling them that this was a fraud and I didn't make any purchase for this order. I didn't receive any items from this order. My family and I were so tired of this and on XX/XX/XXXX, Ann Taylor called my brother in Texas and asked him to make the payment for me. My brother added me to the phone conversations with Ann Taylor. I was so tired about this and I told them that I was willing to pay the original amount. Ann Taylor agreed that I only needed to pay the original amount and waived all past-due fees/interests. On that day ( XX/XX/XXXX ), my brother made the payment of {$110.00} to Ann Taylor. Then, I didn't receive any calls from Ann Taylor for 5 months. Right after 5 months, Ann Taylor called me to ask me to make the payment for the past due fees/interests. They asked me to make a payment of more than {$2000.00} for the fee/interest. I refused to do that because I already made the payment for the original amount for the order that I never purchased and received. They kept calling me to ask me to make this crazy payment. Finally, I requested them for me to speak with their CEO. They told me that they would discuss with their manager  and would get back to me on this. They never got back to me on this and later, I recognized that they sold my debt to XXXX XXXX XXXX, a collection agency, with {$1700.00} past due. I refused to pay the collection agency for this {$1700.00} past due because I paid the original amount of {$110.00} right after my brother and I discussed with Ann Taylor on the phone resolving the issue with this order. During our conversation with Ann Taylor, they agreed that I would make the payment for the original amount and they would waive all past due fee/interest for an order that I never purchased and I reported this fraud to them. As of today, in my credit report, I still see a collection with XXXX XXXX XXXX with a balance of {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, review credit file and notice a collection account reporting by XXXX  XXXX. I never open this account and not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, XXXX and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX XXXX of SS # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Transunion requesting that the information from a prior investigation. I gave Transunion 30 days to respond with the documents that they " verified '' these debts with. On XX/XX/2021 I received a response back saying they will not dispute the items again. They never sent the documents that I asked for that were used to verify these accounts from the first attempt. They only sent a letter saying they were verified. By law I am entitled to receive these documents proving the debt is mines. This dispute is my second attempt in writing requesting the documents over XXXX months and they have been giving me a hard time.
Product: Debt collection

On  XXXX / XXXX / 17 , I submitted a complaint to the CFPB in regards to an unverified debt. The company provided un-signed documents indicating I had a loan with a company via online. However, there should be other identifying information related to this account and this company has failed to provide. As part of my complaint the company stated a deletion was being submitted and the information should be removed from my credit profile within 30 days. As of today,  XXXX / XXXX / 17 , the account remains. The complaint in which this company responded is  XXXX  and the company stated " In consideration of the consumers confusion, and as a gesture of good will, we will issue a deletion to the bureaus on this account. Please understand that once we have issued a deletion to the b ureaus, it may take up to 30 days for entry to fall off of the consumer 's credit history. Please let us know if we can be of further assistance ''
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 thoroughly. I was told thah they were unable to recover lost funds. According to the CFPB, zelle has neglected to protect its consumers and has allowed the issue to continue leaving us vurnuerable to scams.
Product: Credit reporting or other personal consumer reports

XXXX reported late payments on my student loan between XX/XX/XXXXXXXX  and XX/XX/XXXX. This, of course, was right in the middle of the Department of Educations student loan payment pause which began in XX/XX/XXXX. Consequently, I could not have been 90 and then 120 days late with paymentsnot to mention the fact that loan servicers were not supposed to make negative credit reports at this time, either. 

TransUnion is the only credit agency reporting this. When I contacted them, they said I would need to contact XXXX directly as they are the only ones who can report a correction. I sent a letter ( as per their website ) and have received no acknowledgement.
Product: Credit card or prepaid card

An Application for a credit card was made in my name and SSN on XXXX Application # XXXX it was denied. I made a police report to my local police XXXX County police Report # XXXX office XXXX XXXX XXXX. 
Sent a request to Discover card for a copy of the credit card application information. 
To obtain this information it was required to submit proof of my ID and a copy of the police report with a written request for the application. 
Upon receiving the information I attempted to follow up on IP Address : and addresses that were in the application. Called local XXXX county Police and spoke with Officer XXXX, she informed me to register my complaint with IC3.gov. since there has been interstate violations, which I completed.

Fraud alert has been posted on my account with all three reporting agencies. 
Received notification about another incident from XXXX XXXX  yesterday Ref. # XXXX. Called XXXX XXXX  the application was denied. 
I was told to be able to recieve a copy of the application with XXXX XXXX  I had to show proof that I have report these incidents to your agency.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I have sent a letter to Kia XXXX XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from Kia XXXX XXXX a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Kia XXXX XXXX violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. On XX/XX/ Kia XXXX XXXX responded with letter that the information is accurate but it is defiantly was not proof required by law. I have sent them my second letter on XX/XX/ giving them a final opportunity to resolve the matter but they ignored it and again failed to provide information set by Congress.
Product: Checking or savings account

I opened 4 accounts for my children ( XXXX ) with XXXX XXXX which sold to Wachovia which then sold to Wellsfargo. Somewhere along the way, Wellsfargo lost the account. I have requested information over and over again and Wellsfargo can not find this one account. They have located 3 of the 4 accounts. I went to the branch in XXXX XXXX and was told the information was not in their records. How can a bank lost an account. It 's not about the money ( A little over {$200.00} ). It  's about principle and trust. I was told to go and see if I could find the account, then they would be able to assist. This is terrible. The account was last access in XXXX 2006 while I was in XXXX XXXX, South Carolina when my son was in boot camp
Product: Student loan

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone in regards to my Income Driven Repayment Plan since I had received notification my payment would increase from {$0.00} to {$110.00}. I worked with XXXX who advised me to submit a Change Plan Request at Navient.com then to select the fifth option stating " income-driven repayment with the lowest monthly payment '' and that it would lower my payment to approximately {$75.00}. XXXX advised me that he would send me an email and that I would select : email -- > return applicant -- > change plan request -- > lowest monthly payment ; however once I reviewed the email I found it was not in this format. 

I then emailed Navient on their website and they emailed back on XX/XX/XXXX that I would submit the request on studentloans.gov and it was the " easiest and quickest way '' ; however again it was not explained how to submit for the lowest monthly IDR repayment plan. 

On XX/XX/XXXX at XXXX XXXX  I contacted Navient by phone again and spoke to XXXX. XXXX walked me through and advised me to go to : studentloans.gov -- > " Repayment & Consolidation '' -- > " Apply/Re-Certify/Change an Income-Driven Repayment Plan '' -- > " Switch my current plan to a new plan '' -- > " I am submitting documentation early to have my income-driven payment recalculated immediately ''. XXXX also advised me to go to Navient.com and select : " Inbox/Upload '' -- > " Repayment Plan '' -- > " The Income-drive repayment plan with the lowest monthly payment '' ; in regards to submit proof of income. XXXX emphasized just as XXXX had on XX/XX/XXXX that my payment would be approximately {$75.00}. However, on XX/XX/XXXX I received an email from Navient stating " we've approved your request for an Income-Driven Repayment plan '' with the unaltered monthly payment of {$110.00}.
Product: Mortgage

I had my mortgage with Roundpoint Mortgage. I am refinancing with another Lender. My New Lender is in a constant battle with Roundpoint about the closing costs. Roundpoint continually charges their XXXX based on old laws. My lender sites this " CFPB 's Ability to Repay and Qualified Mortgage Standards under TILA, servicers may only charge interest through the date the mortgage is paid. The change is effective for all FHA loans closed on or after XXXX XXXX, XXXX ''. 
so as you can tell my loan is an FHA loan. 
My loan Funded on XXXX XXXX, XXXX. The attachment called XXXX is attached showing payoff balance. 
On XXXX XXXX, XXXX XXXX XXXX emailed me that additional funds were needed to close the loan. That is the Second attachment XXXX. XXXX still holds to his position that Round point is not allowed to charge additional interest. Additional it is not just {$810.00}, Roundpoint has taken my Suspense Balance of {$1000.00}, So a total of {$1800.00}. After the close of loan. 

When I was on the phone with the Specialist from Roundpoint ( XXXX ) He stated that if this {$810.00} was not paid immediately to HIM after XXXX XXXX, XXXX. Round point would charge me another month of XXXX. Since It appeared to be a Robbery with my loan held hostage, I made the ACH payment while I was on the phone with XXXX. 

I will now try to get my money back, via the CFPB ( {$1800.00} ). The Final attachment are the details of my discussion with Roundpoint on this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Gemini Capital are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureau 's are reporting XX/XX/XXXX  DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted XXXX, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if theseXX/XX/XXXX DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability. 
You are also violating the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without my permission or for a purpose not permitted by law. The FCRA is codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). ( 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

I just received a letter. From AGs office XXXX Mass XXXX states to have. This. Agency. Help. Me! 

All three. Credit reporting Bureaus ( Experian 2. XXXX XXXX, XXXX XXXX XXXX and. Any other harmful reporting. Agencies. 

So, yes I have. Had some lates and. Collections, But my score is being harmed I. Need action And request a restoring result! LI need my score to be above 700 they are showing low I did a year ago sent letters to ceo. About. There breaches! 

And to fix. My Reports Financial hardship! 

XXXX XXXX XXXX XXXX XXXX XXXX nh. XXXX XXXX
Product: Mortgage

My last complaint was on XX/XX/year> and PHH responded on XX/XX/year>. I then submitted a replay and then to see that they closed the complaint. 
So, I want to send the response again so that PHH can see it because I felt like nothing was resolved here by expressing the difficulties it's been dealing with this loan modification and being denied. Here is my response... 
I appreciate the response back from PHH although some of their information has been misinformed from my behalf of their representatives that I have spoken to. I did speak to my relationship manager on XX/XX/XXXX at XXXXXXXX XXXX., when speaking with him I let him know my concerns and what was going on and he informed me that he could have a supervisor or manager call me. On friday XX/XX/XXXX at XXXXXXXX XXXX., the supervisor called me, I explained to her my situation and everything going on and yes, I even said I could make 2 to 3 mortgage payments right now. In return she said to me you have to pay the total balance owed. I explained to her can we work something out and then she said that she would speak to upper management and let them know our conversation. She said they would respond back to me within 24 to 48 hours during business days so that means I should have received a phone call by Wednesday, XX/XX/XXXX. Also, per you letting me know to contact the Ombudsman office and I did call and leave a message on Thursday, XX/XX/XXXX so that means I should hear back from them by Tuesday XX/XX/XXXX, as you stated calls will be returned in 2 business days. I have even sent several emails to many of the emails PHH has referred to me and all I have received is generic email stating they've received.The emails still have not had a response to my question and it has been over the 2 business days time frame. So my point is PHH has constantly told me one thing and did not follow through. It's very frustrating that this matter keeps dragging out and by not responding in a timely fashion as if it states how many business days to do so. Most importantly one of the things that really stuck out for me was " your priority is to help customers remain homeowners. '' I feel that this is not being prioritized and that the 2 business days to respond have not happened on two separate occasions within the last week and a half. I would love for us to work together and have some type of resolution on what we can do to make myself the customer and you as my mortgage company come up with a plan together on how this can be resolved. Again, as you stated " Your priority is to help customers remain homeowners. '' Thank you for your time.
Product: Credit reporting

I called Equifax XXXX times to receive my annual credit report. Each time their recording said I would receive it within up to three weeks. Its been three months and I still have not received it!
Product: Credit reporting or other personal consumer reports

Your Statement : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX  131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} XXXX XXXX know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check
Product: Consumer Loan

Contract agreement was for {$180.00} per month for 45 months, however, Rise Credit began taking an unauthorized amount of {$360.00} per month. Upon contacting the company regarding this matter I was informed these details were not mentioned on the initial contract pages. I feel that I am a victim of predatorial lending practices. I want this company investigated and exposed for their fraudulent an unfair lending practices. I am a XXXX veteran and can not afford this type of ripoff.
Product: Debt collection

CRS contacted my elderly parents home in Illinois threatening them that they are going to sue thier son if he does not handle the debt. The person we spoke with was XXXX at XXXX. This company continues to harass my parents and threaten them rather than me which I would prefer. However this company is know for these tactics and has been brought to suit by the FTC for the same behaviors. I can not upset my elderly parents with this ridiculous behavior and threats. They do no need to worry about me. This tactic is scaring them and causing XXXX for them and it is despicable. I myself suffered my XXXX on XXXX XXXX, 2016 due to XXXX and I dont need this happening to my parents. They also discussed my debt with my parents. Telling them if I dont call they will sue me? Unacceptable