23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A lady calling herself XXXX XXXX impersonated to be goverment official repeatedly calls me and my family Asking for my social security and bank info under the false pretense that I owe debt. She calls from the following number : XXXX ( EXT : XXXX ). I explicitly asked her to put me on the do not call list and she blatantly refuses.
Product: Credit reporting or other personal consumer reports

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 : 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 or credit management

XXXX XXXX XXXX this is a XXXX XXXX why is this on my credit report I have disputed this account with all three credit bureaus. 
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Payment summary 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  Address XXXX XXXX XXXX  Phone number ( XXXX XXXX XXXX Review this account per XXXX this account should not be on my credit report.
Product: Credit reporting or other personal consumer reports

l was a victim of fraud a couple years ago & they will not remove this off my credit report. l have tried several times explaining this to them. lt has been EXTREMELY difficult trying to open a new bank account & get new form of credit because of this. l would like each branch ( XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX ) to provide full investigation details of why l am still on the report or otherwise remove me expeditiously. Per the FFCRA, you have 30 days to respond or remove me immediately. this is denial of service & l will no longer tolerate this, l need to be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handeling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPB findings indicate that zelle has not only neglected to protect its consumers but has allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from Equifax, XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit report and there are inaccuracies. I tried disputing them but they said because they " investigated '' them, they were not required to do any further investigation. These are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my XXXX and Experian credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from XXXX, Experian and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.
Product: Mortgage

We try to submit a modification packet every month but the bank continues to decline by asking for a XXXX  months profit and loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to declined
Product: Credit card

The TJX Companies , Inc. 
XXXX XXXX XXXX XXXX, MA XXXX Dear sir, Today, XX/XX/XXXXXXXX XXXX XXXX XXXX, I went to XXXX in XXXX, NJ to purchase several things. I tried to use a reward certificate ( # XXXX XXXX XXXX XXXX ), which I received with XX/XX/2023 bill, which I paid all already, along with another reward certificate received by an email from your company. However, I could not use this certificate ending XXXX at the casher. And this casher advised me to call your company to make it usable. However, I used the chat system of your company website synchrony.com. I tried to get an answer from this chat assistant, XXXX ; however, before I would get the satisfying answer, the chat was terminated. You can see the process of chat from the enclosed printout. I believe strongly I have not used my gift certificate ending XXXX, since I have this certificate with me. And I always give the certificates to the cashers ; therefore, this certificate with me must be usable. What I want to request you is to make this certificate usable. If not, would you give me why I can not use it, even though I have this certificate with me. Or maybe you might have printed twice ; then you need to explain why you printed out the certificates with same number and give the customers the disappointed feeling not to be able to have the feeling of satisfaction by getting some products free by the reward. 

Sincerely,
Product: Debt collection

GC Services is a collections agency for XXXX. I Spoke with GC Services via phone attempting to resolve with negative results. They requested that I email all info which I have done several times. I have not received a response. They have negatively impacted my credit because of a mistake that XXXX admitted making. Now they are at fault because they refuse to investigate and communicate with me. XXXX Corporate investigated this issue and it was resolved in my favor. I never owed them money! 
XXXX Corporate Services XXXX Ext. XXXX Name : XXXX XXXX # XXXX
Product: Bank account or service

XX/XX/XXXX, I went on a 1 week vacation in Florida. During my visit I was informed about joining a timeshare at XXXX XXXX XXXX ( XXXX XXXX XXXX ), in return they guarantee it will not affect my credit. When I returned back home from my travel, I spoke to an accountant who enlightened me that by joining, it will have some affect on my credit. Immediately I called the resort and requested that they cancel my contract. I emailed, call and sent a mail. In an uncanny way the employee at the resort told me I cant cancel the contract, without no hesitation I called my bank ( wellsfargo ) and explained the situation. They told me they would put a stop to it, but assure you that was n't the case. I recently founded out that the same resort had taken XXXX from me in the past two months, where I had to get aggressive on their deliberate act. My banker refunded my money, and told me to contact " consumer affairs '' to help deal with the unnecessary complication.
Product: Debt collection

I WOULD LIKE THIS REMOVE FROM MY CREDIT REPORT AS THIS IS NOT MINE
Product: Credit reporting or other personal consumer reports

In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. I request another investigation and the immediate removal of the fraudulent Transworld Systems account listed under my social security number. The company could not have possibly conducted a proper investigation. I am requesting a real and THOROUGH investigation! Begin with the NAME PROVIDED! It is NOT my name! Someone clearly impersonated me and did a XXXX poor job at that. They didn't even get the name right. They just stole my social security number! Secondly, the " proof '' that was provided not only DID NOT HAVE MY NAME, the alleged documents were not even completely filled out! I am demanding an IMMEDIATE deletion!
Product: Mortgage

The Money Source has held my escrow overage for two consecutive years. I have called numerous times and they continue to make excuses. The Money Source is still refusing to issue my two escrow checks although they agreed to do so in response to my previous complaint XXXX # XXXX XXXX. I have called many times and continue to receive different excuses from different representatives and no call back from a supervisor as I have requested on several occasions. I am due a refund from last year that was never issued as well as this year. The first check should be {$1000.00} from XX/XX/XXXX and {$1200.00} for XXXX. The total amount due to me is {$2200.00}. 
Previous response on XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source XXXX XXXX NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Ms. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Ms. XXXX complaint states that TMS has not refunded her any escrow account surpluses. She also asked that her escrow account be reanalyzed. Upon receipt of the complaint, TMS conducted a thorough review of the loan file and determined that the Borrowers account has been active in a Chapter XXXX since XX/XX/XXXX. An escrow overage on a loan in active bankruptcy requires additional review and approvals prior to disbursements being generated. TMS analyzed the escrow account on XX/XX/XXXX and determined that there was a surplus of {$1100.00} in the escrow account. The surplus remained in the account, and the disbursement was not made. TMS performed the XXXX annual escrow analysis on XX/XX/XXXX. Due to an increase in the county taxes, the surplus decreased slightly from the {$1100.00} to {$1000.00}. As the Borrower requested, a new escrow analysis has been run to update the account. The homeowners insurance decreased from a yearly premium of {$1900.00} to {$1800.00}. The new surplus amount of {$1200.00} will be refunded to the Borrower within the next 7-10 business days. The new contractual payment amount has decreased from {$1700.00} to {$1700.00}, effective with the XX/XX/XXXX payment. At TMS, we strive to exceed our customers expectations with every interaction. TMS fell short of this goal and sincerely apologizes for the delay in sending the escrow surplus to the Borrower. 

Although the Money Source responded to this complaint they still have failed to meet the terms of the agreement and have failed to issue my escrow refunds.
Product: Credit card or prepaid card

This Bank of America account was fraudulently opened under my name and I will not pay something I have no knowledge of. I've managed to remove other charge accounts from my credit report because they were not mine. I also have physical proof from other financial institutions telling me that the account opened was not done by me.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am writing this complaint because XXXXXXXX XXXX aka XXXX has been reporting a credit card on my account without my approval and i clearly explained to them the issue and they promised to remove it but never had. My score has been tanked and also lost age of history length because of this new account. I would like to have this XXXX account removed and i need HELP. This is the account below. 

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

I have been attempting to resolve issues regarding 2 items  that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Product: Payday loan, title loan, or personal loan

I requested two " instacash '' advances totalling {$75.00}, which they show depositing on XX/XX/XXXX with a repayment date of XX/XX/XXXX. 

I never received the funds. I emailed to two different addresses on XX/XX/XXXX and received no response. I did an online chat on XX/XX/XXXX and was told I would need to send 45 days worth of bank statement to prove funds were never received. This means they are going to process a repayment for funds never received until I can provide a bank statement at the end of XXXX. 

I asked them to cancel the repayment but they refused without 45 days worth of bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a different credit report on My file. This is a huge violation. The DOB is listed as XX/XX/1933 and that's not my DOB. Equifax has the wrong person on file and the accounts noted are also not mine and no information given, after 3-4 months. Per 15 USC 1681a, 1692efg these accounts are noncompliant and I want removed immediately. I will also be pursuing further. Copy XXXX, Attorney General and FTC.
Product: Debt collection

I ordered some mud tires through XXXX XXXX XXXX and that was a couple of years ago. I have not been able to pay it since then. I am currently working on my credit. The company that has been harrassing me with calls and letter is Midland Credit. The last notice I recieved from them was today XXXX as a final notice. Stating they will take legal action. They said they will send my account to an attorney after XXXX. My MCM account number is XXXX, the owner is Midland Credit Management , INC Please help me because this isn't right. They have been threatening me for the past year and they are stressing me out.I do plan on paying but not right now because I have other bills I need to pay as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # 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: Mortgage

I have filed 2 complaints against OCWEN in an attempt to get my mortgage invoices reported correctly. On both occasions, they have done a complete review of my account, concluded that my account is current and I have not missed or made any late payments, cfpb have closed the complaint on the word of OCWEN that the issue have been resolved and then continue to send me bills showing that my account is past due and has an outstanding balance. I'm convinced that OCWEN has the nefarious intention on foreclosing on my mortgage if I am not paying attention, so I am insisting that this complaint not be closed until I have received a bill showing no outstanding amounts and that my mortgage is completely current. I spoke with 2 individuals at OCWEN on XX/XX/XXXX one was the escalation manager and they still insist that I owe OCWEN from XXXX. This statement insinuates that my mortgage is over the 120 days behind at which point they can begin foreclosing against me. 

The two previous complaint numbers are XXXX and XXXX. 

I am attaching the letters sent in answer to these complaints clearly stating that my account is current and am insisting that OCWEN correct my account to show that it is current with XXXX outstanding amounts. 

I am also attaching the bills I am receiving showing a balance forward that is incorrect, my bills should have a {$0.00} outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Closed XXXX network account and being charged after told it was not an issue if I sent the equipment back by using their shipping boxes, which I did. However, they still charged me afterward.
Product: Credit reporting

They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship
Product: Debt collection

debt bought by a 3rd party seller and have been calling my phone non-stop all times of the day from different numbers trying to collect on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX  XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}
Product: Debt collection

Direct disbute. 

Bullying and threatening legal pursuit, with no prior communication, attempts, or even proof of the debt and proof they have the right to the debt. They lied on a recorded line saying they were NOT debt collector, then sent me an email with the debt amount saying they are a debt collector. Its fraudulent, harassment, threatening, and violating FDCPA.
Product: Mortgage

My name is XXXX XXXX. My daughter, XXXX XXXX ( formally XXXX XXXX ), and I purchased a home together in XXXX. The mortgage went through a number of transfers of lenders over the years but has been serviced through Shellpoint Mortgage Servicing since XXXX timeframe. When we purchased the home, the members of our household included XXXX of my adult daughters, my wife XXXX and me. At the time, the expectation was that each of us would contribute to the mortgage and overall housing expenses. Unfortunately approximately a year after moving into our home, XXXX suffered XXXX ever since. As a result, XXXX had to retire earlier than anticipated. My children attempted to care for her while I continued to work. After roughly another year or so, this proved to be unattainable and I was forced to retire to become XXXX full-time caregiver. While I am of age to retire, these circumstances forced me to retire earlier than expected. Due to XXXX condition, we have incurred a significant increase in medical bills as the result of routine doctor visits and various medications to treat her condition. Additionally, a few years ago XXXX eventually married and moved out of our home which resulted in another reduction of household income. 

At this time, our income is limited to our monthly social security checks. These circumstances have resulted in our inability to make our mortgage payments. We had explored loan modification to no avail and were also considering a short-sale however this would have resulted in us becoming homeless due to our income and the housing crisis in the XXXX XXXX. In XXXX XXXX, we received notified that Shellpoint issued a Full Reconveyance of our first mortgage. We were not aware that they decided to do this and attempted to contact them on numerous occasions and they would not return phone calls to explain the situation. We ended up contacting the company that filed for the reconveyance, XXXX, and they confirmed that Shellpoint instructed them to remove the loan from title. After a few more failed attempts to get clarity from Shellpoint, we sold the home to downsize and bought another home. XXXX and I was working with a reverse mortgage lender and right before closing, Shellpoint issued a foreclosure status on my credit. This occurred after we already sold the home in which they removed the lien. Given that this was non-recourse debt, we are not sure why or how they are considering foreclosure on a home that they no longer held a lien on plus we sold the home. We would really appreciate some assistance on this matter as it effectively resulted in our inability to close on a reverse mortgage and it is also still on my daughter 's credit report.