23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is 19 says pass the due date. Neither payment was made 30 days after the last due date. I called XXXX XXXX XXXX the first week in XXXX when I received a late pmt alert from Experian. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. Experian did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to Experian and was told they are not mediators.
Product: Credit card or prepaid card

XXXX XXXX in New York has stated that their policy is to charge the customer {$2.00} anytime he or she uses the XXXX XXXX debit card as a debit card -- if you enter in your pin number to complete a transaction with your XXXX XXXX debit card, you will be charged {$2.00}. If I check out at the store, I need to select " credit '' ( even though the card is a debit card ) and sign for it, because if I enter my pin, there will be an automatic {$2.00} fee. If I use an ATM machine, not only does the ATM machine charge me its fee, but XXXX XXXX charges its own {$2.00} fee because I am using my debit card as a debit card and have entered in my pin number. I have called twice now about these fees -- - the first time, a customer service representative waived {$14.00} worth of fees ( incurred for not selecting " credit '' when using my debit card to check out at stores ). More recently, I had to visit an ATM machine three times over the course of a week, and then realized that XXXX XXXX   was charging me that same {$2.00} charge for every ATM transaction as well. I called customer service again and they explained that this is just their policy. I was not informed of this policy when I opened my account. A {$2.00} charge for every debit transaction with a debit card seriously adds up, and it seems like this can not possibly be okay. I think they have this policy set with the hopes that people will not notice the fees as they rack up. It has also been impossible to do bank-to-bank transfers from my XXXX XXXX   account since XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # shows XX/XX/2019 and XX/XX/2019 as 30-day late payments. This should be changed to paid on time. 

I attached a letter from XXXX XXXX stating that I have no late payments with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with XXXX. On XX/XX/XXXX I received credit reports from Trans Union, XXXX, and XXXX  that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under.XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by XXXX. XX/XX/XXXX I called XXXX  who verified I had placed said freeze and suppression of consumer fileXX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to reach out to them regarding this loan XX/XX/2021. And yet to receive a response. In fact, within the class action lawsuit against XXXX University, we found out that they were involved in changing grades, enrolling unqualified students, and even counterfeiting legal documents so that their substandard plans would get accreditation. 

Thats some serious stuff and the idea why essentially anyone who attended any of their schools should have no problem in receiving their loans fully discharged via Borrowers Defense to Repayment.
Product: Student loan

On XX/XX/XXXX : I received a direct to voicemail call from a XXXX area code number. This number is XXXX. Phone records will indicate I have a XXXX area code phone number. I am originally from XXXX XXXXXXXX XXXX but currently live in XXXXXXXX XXXX Listening to the 48 second voicemail, it was not someone from back home. It was Navient calling to try to get a payment out of me. Navient and personal banking records indicate {$150.00} payment was made in XXXX with emphasis towards most delinquent loans. This indicates the company is spoofing numbers with the intent to obtain anything of value. Under FCC laws that is illegal. I then received a restricted phone call : It was Navient again. When asked why they used a XXXX number she said it was the address they have on file. Wrong they have a XXXX  address on file. Last month they sent in certified mail a copy of my promissory notes. Then she said the company is based in that area. Wrong again. The company 's address listed on certified mail is po box XXXX XXXX XXXX, XXXX address with a XXXX area code. This is also the address on file with the XXXX XXXX XXXX. Then I heard kids in the background and questioned why I was hearing things in the background and she hung up. Also, according to President Joe Biden, a freeze on federal loans was extended in XXXX through the end of XX/XX/XXXX. My federal loans are in Navient as well. Part of a repayment program I signed up for, my federal loans were consolidated into my private loans. So, this leaves the question if my federal loans are attached to my private loans then shouldn't I also receive a freeze on having to make payments through the end of XXXX? And if so, then isn't it illegal for a company to harass me the way Navient is? This is the second time in a week they have harassed me. They went as far as contacting my mother. When I asked them several months ago to remove all other contact information from my account except for mine. They are mishandling my account. This all started last XXXX. I had autopayments going through using my debit card. However in XXXX of last year my debit card expired. I forgot to contact them with a new card. According to their team who has told me in a recorded line and also it states in writing per the company 's website : they will contact the individual 30 days after a missed payment. However, they did not contact me until XXXX when my account went into collections. Also, I have asked repeatedly for the contractual agreement for the automatic payment program I was on. They have yet to provide that information. Over a recorded line four years ago, I agreed to an automated teller who rattled off an agreement to have payments automatically taken out. If an automated teller has recorded that then it has to be in writing somewhere. I am entitled to a copy of that agreement. But have not received a copy of that agreement. When you agree to the terms and conditions set forth by companies like XXXX you are able to receive a copy for your records. I still have not been given a copy of that agreement however I have asked several times.
Product: Credit card or prepaid card

Barclays Bank of Delaware process an application online for credit from a fraudulent unauthorize source that was computer based. I have repeatedly ask to have their credit inquiry removed from my XXXX account. They refuse. This fraudulent inquiry harms my reputation and my credit reputation. I have worked with all three credit agencies to remove recent fraudulent acts to open credit or checkingXXXX XXXX XXXX, XXXX XXXX and XXXX have all in the past two years has attempts by third parties. For the most part they have all been removed, but I now have to live with all accounts frozen and pay to open and close them. The recent Barclays attempt got through because in my grief for my wife, I forgot to freeze XXXX again after I got a loan at my local security credit in XXXX. XXXX refuses to close and remove all information from their system concern their fraudulent access to my records. Freeze and thaw should be free.
Product: Mortgage

I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan. 

In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014. 

Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX. 
The Deed In Lieu had never been recorded. His FHA case number isstill open. 

This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX. 
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right.
Product: Mortgage

Let me first bring to your attention my mortgage has never been late. However, the payments sent via system transfer monthly for {$1400.00} but instead it caused my mortgage to become delinquent due to the process decision. Here are the reasons : Discrepancies # XXXX Forward mortgage approved from XX/XX/XXXX to XX/XX/XXXX, for $ XXXX via system transfer monthly for {$1400.00} First payment sent XX/XX/XXXX was credit on XX/XX/XXXX Second payment XX/XX/XXXX credit on XX/XX/XXXX Third payment XX/XX/XXXX credit XXXX Fourth payment XX/XX/XXXX credit on XX/XX/XXXX Fifth payment XX/XX/XXXX credit on XX/XX/XXXX XXXX payment XX/XX/XXXX credit on XX/XX/XXXX I continue to receive past due statements for XXXX {$2900.00}, XXXX {$2900.00} and XX/XX/XXXX {$4400.00} and the arrears continue to increase. 
Discrepancies # XXXX Modification was denied said I was unemployed ( not true ) I faxed 30 days of my pay stubs. 
Discrepancies # XXXX Foreclosure Discrepancies # XXXX XXXX XXXX said that they did not receive my acceptance and the verbal deferment is now expired. 
Discrepancies # XXXX XXXX XXXX put me in a Second Principal Balance for {$10000.00}. 
Discrepancies # XXXX Government approved me a Mortgage Reinstatement in the amount of {$8900.00} through XX/XX/XXXX under First Principal Balance and my mortgage company sent the fund back and gave no reason and did not apply the fund to my mortgage loan. 
My mortgage have caused me financial hardship, stress and anxiety. 
Thank you for your kind consideration. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXXXXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

XXXX reported late payments to my credit report during the federal student loan freeze that ended XX/XX/year>. The reporting is inaccurate and I have tried 3 times to dispute this inaccurate information and they have done is verifying that my payments were late during a federal freeze of payments.
Product: Credit reporting or other personal consumer reports

Recently | looked at a copy of my credit report and I noticed several inaccuracies on my account : This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Bank, Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX is also reporting no payments reported for XXXX XXXX. However, the report is also showing a last payment date of XX/XX/2021. 
The balances across all the agencies are different.
Product: Credit reporting or other personal consumer reports

Credit Inquires on my credit report validate my rights as a federal consumer under 15 U.S. C 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My account with reloacatd is inactive. I have sent in documents showing im me. They still won't unlock it. They keep telling me im not me. Its like they believe someone else is me and im scamming my own account?? I have some emails from brinks prepaid account that i switched to and nothing adds up. And i keep getting replacement cards in the mail. And i never reported any thing stolen. Except my phones. My boyfriend would steal them for a couple days then smash them when he came back. He did that with XXXX XXXX XXXX XXXX XXXX. I can't my bills because i cant use my bank account.
Product: Money transfer, virtual currency, or money service

I want to write to express my concerns of zelle handling disputes, particularly in the light of the CFPB lawsuit hilling significant action with the platform. Dispite using zelle numerous time and reporting discrepancies, my financial institution and zelle failed to investigate my claims They informed me that recovering lost funds was impossible and that tracking these transactions was impossible.the cfpb Findings indicate that zelle has not only neglected to protect consumers but only allowed repeat offenders to exploit the system leaving users venerable to scams This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong
Product: Credit reporting

Had XXXX XXXX XXXX for approximately 15 years and sold my residence. When I called and cancelled my service the representative asked where I was moving to that they would like for me to continue to be their customer since I had been with them for such a long period of time. I informed them that where I was moving that there was no service for XXXX XXXX in that area, they went as far as having an engineer do testing to see if there was any possible way to get me XXXX XXXX service. This was approximately XXXX of 2014, the engineer called me back and stated that I was correct in stating that XXXX XXXX did not service this area and advised me that when I go to turn my equipment in make sure I get a receipt as XXXX XXXX is notorious for not checking in equipment and turning it in to collections. On or about XXXX 2014 I delivered my equipment back to XXXX XXXX and low and behold they said that their system was down and was unable to check the equipment in so I told them to give me a receipt for my equipment, which they did. Approximately 6 months later I get a bill from XXXX XXXX for the equipment, so I called and sent in the receipt showing them when I turned it in they said no problem we will get this taken care of. 6 months later got another bill for the same thing spoke to XXXX different people and they stated we will take care of this. So I ran my credit a couple of months ago and now there is a collection item on my credit report that someone from XXXX was suppose to take care, called and said no problem we will take care of this. So I have waited a couple of months and re ran it and it is still on my credit. It is very sad that the cost of telecommunications is outrageous and you pay it religiously every month and when service is stopped for whatever reason you just become a number and if your credit takes a hit because of their poor customer service so be it as they seem to owe you a thing.
Product: Debt collection

This company told me my bank accounts would be frozen if i didnt promise a date to pay. Once I did and the payment failed they called me back to back at exactly XXXX XXXX. I redid the entire process under the circumstance that my bank account would not be frozen. The payment once again failed and the same process repeated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally request the correction of my credit report regarding my XXXX XXXX XXXX XXXX account . My personal belongings, including my drivers license, Social Security card, cell phone, and financial cards, were stolen and used for fraudulent activities. I have documented proof from multiple sources confirming that this information is fraudulent, and it has been blocked in the system in full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, FTC, CFPB, and applicable USC codes. 

The account in question was fully paid and closed in XX/XX/XXXX. I am requesting that you update my credit report to reflect the account as paid in full with no late payments, in full compliance with USC 15 1666b ( a ), which states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

If the information can not be updated to reflect that the account is fully paid and there are no late payments, I request that you BLOCK, REMOVE, or DELETE this information from my credit report within 4 days in accordance with FCRA 605B.

Please confirm the updates have been made and notify me in writing of any changes. Your prompt attention to this matter is appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX ( Secured Loan )
Product: Money transfer, virtual currency, or money service

My account was closed on XX/XX/2023. Due to 3 opened disputes I was told that they would send the money to me in the form of a check if any money was returned back to me. The total amount ended up being {$390.00}. I was told to expect a check in the mail from 7 to 10 business days. Then on Sunday XX/XX/2023 I received it. I then promptly submitted it for mobile deposit to my current bank. Because the next day XX/XX/XXXX was a bank holiday I had to wait for approval of the submission of the check until the XXXX. However on the XXXX it was rejected due to inability to verify the check. I was advised to call my bank to verify its authenticity and I was told by an agent that they could not and would not do that. I asked for any kind of verification but I was still refused.
Product: Mortgage

Hello; My name is XXXX XXXX and I'd like to file a formal complaint about my current mortgage service provider, Rushmore Loan Management. 

I applied for a loan with the Emergency Rescue Mortgage Assistance in the state of New Jersey. program back in XX/XX/2022. In XX/XX/2022, I received a message from ERMA stating they are awaiting paperwork from my provider in order to proceed with the underwriting process. I spoke to my mortgage provider about getting the paperwork to ERMA and kept getting the runaround. All any customer service representative wanted to discuss was a deferment. I advised I had secured means to bring my past due balance completely current but all I was offered time and time again was a deferment.

I recently came acrossa XXXX channel where the consensusis that mortgage companies ( including Rushmore ) are purposely NOT providing information to these state funded assistance programs and instead forcing lenders to take a deferment with a balloon payment instead of using the assistance programs to bring the account current? 

I checked to see if Rushmore was a participating lending company for this program with the State of NJ and they are listed. Why would a company sign up to be a part of a program and intentionally manipulate the odds in their favor? This definitely should be investigated, on the XXXX, some people affected claim that they were declined the assistance from ERMA due to the lender not providing the paperwork AND the mortgage company then refusing the deferment offer, putting the homeowner into foreclosure. These are unfair business practices that I wanted to bring to someone's attention. 
Thank you for your time in this matter.
Product: Debt collection

Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 
I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 
The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 
2. Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 
A chain of title proving ownership transfer of the debt. 
Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( SeeSpears v. Brennan, 745 N.E.2d 862, Ind . Ct. App. 2001, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt. 
4. Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 
5. Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts. 



Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful. 

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.