23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal letter to XXXXXXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXXXXXX XXXX. 
This failure to provide debt validation within the required 30-day period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to 2 different XXXXXXXX XXXX Addresses ). 
Given that XXXXXXXX XXXX did not validate this debt within the legally required timeframe, I hereby demand that Equifax immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXXXXXX XXXX Account Number : XXXX XXXX Reported Balance : {$960.00}
Product: Mortgage

Wells Fargo is my mortgage holder. I have been trying to modify my loan through the home preservation program since XX/XX/XXXX. It is always the same thing, " we have all the documents we need, they will be sent to underwriting ''. Without fail I am then contacted ( sometimes ) by email or letter that additional documents are needed ; as well as the original documents which now ( according to them ) has expired. My " specialist '' never returns my calls or emails.
Product: Debt collection

I have disputed my debt with this Plaza Services Inc PLAZA SERVICES XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX and XXXX several times asking for validation of debt. I have sent this company emails, left voicemails and mailed letters this company has not once contacted me to verify my debt neither phone, email or mail. I have also complained to XXXX about the company not verifying debt with me so I am uncertain of how they are getting responses.
Product: Debt collection

Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( " FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the " mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.
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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 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

I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is LVNV Funding, LLC. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Product: Credit reporting or other personal consumer reports

This is extremely urgent. 

I have been working on these items since XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( the same as the above XXXX XXXX XXXX ) This issue is causing a serious problem with me closing on my mortgage loan. I requested all XXXX credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX XXXX XXXX XXXX XXXX. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/2024 and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.
Product: Credit reporting or other personal consumer reports

I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my chime account information but chime won't shut the fraud account down an XXXX XXXX was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card
Product: Mortgage

In XXXX of XXXX  my mortgage servicer XXXX  XXXX XXXX, gave me a mortgage forgiveness of {$93000.00}. When the mortgage was transferred to XXXX XXXX XXXX, the {$93000.00} was added to my mortgage balance. 
I request that the monies be credited back to my mortgage loan balance. 
Currently my loan is being serviced by Rushmore Loan Management Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation
Product: Student loan

At the end of XXXX - XXXX I was in the process of a move and career transition. I contacted Sallie Mae, my student loan provider, to request a forebarence on a few of my loans that I had with them to make the transition and move more seemless and easy for me financially. I was told over the phone the my requests had been submitted and accepted and that I would not have to pay on my loans for 3 months. About a month later, my cosigners and I started getting bombarded with phone calls from the company claiming that I had payments that were late, that were incruing massive late fees and penalties, and that I had to make the payments on the loans, which was completely contradictory to what they had discussed with me on the phone. I was not in a position to make those payments, as I was in the middle of a career change, a move, and had already made plans for my finances that didn't allow me the flexibility of repaying those loans at that time. So a couple of my loans went past due for a few months ( XXXX and XXXX XXXX, and XX/XX/XXXX ), i missed some payments, and a couple others were missed for about one month ( XX/XX/XXXX ). I did what I could to keep the loan payments up to date but was obviously unable to do so entirely. The company completely misinformed me, telling me that my forebarence was approved, and then turned around a month later, without notifying me, and started requesting payments and charging ridiculous late fees. The company was unwilling to negotiate any flexible payment options and just insisted I pay the full balance and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB team. 

I was paying for more than 1 year around {$400.00} month to mouth for credit solution the company name is Century First Credit Solutions Inc of XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX New York XXXX .Tel XXXX, They never answer the phone, they never did any solutions, I have a copy of the emails sending, asking my situation. If you see the real bad reviews of XXXX can verify that its true by the amount of complaints and claims of scammed customers. I appreciate all your help.
Product: Mortgage

I attempted to pay my mortgage ( as always ) on or before the first business day of the month via the XXXX website. When I was not able to do so, I called. They informed me that my loan servicing ( no word on whether the loan itself ) was transferred to XXXX XXXX. 

The problem is, they did not provide adequate notice. The representative said they mailed the notice on XXXX the XXXX. The effective date of the transfer is XX/XX/2018. Even if applying the " Mailbox Rule '', that does not provide 15 days notice. Also note, that they never provided email or other electronic notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$980.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

This is in response to conversations I 've had with XXXX XXXX and XXXX XXXX on XXXX XXXX, 2016, concerning my complaint of predatory lending. I received a voicemail message late on XXXX XXXX from XXXX XXXX of SunTrust 's Escalation Resolution Department advising me to return the call and speak with 'any representative '. This was a red flag to me, as having to deal with multiple client relations representatives in my modification process in XXXX of 2016 was a matter of which I 'd already filed a complaint. I did call back on XX/XX/2016 and spoke with XXXX XXXX. She asked me if I had any questions, to which I said I did n't know what questions to ask, as this is their service and they must explain this process to me, clearly and thoroughly. I also told her that speaking with 'any representative ' was a red flag for me and why. She advised me I had XXXX person assigned to handle my account, XXXX XXXX. I told XXXX I would not work with XXXX XXXX as she had lied about what was discussed in our phone conversation of XX/XX/2016, vs. what was stated in their response to my CFPB complaint filed on XX/XX/2016. In that conversation I have no recollection of any discussion of the foreclosure sale scheduled on XXXX XXXX, 2016. Yet in their response to my complaint, it was stated this discussion took place. This was the second of XXXX lies and/or inaccuracies in that response. I told XXXX I would speak with XXXX XXXX 's XXXX, and she advised that is XXXX of Mortgage Escalation Resolution. I received a call and spoke with XXXX XXXX late the afternoon of XXXX XXXX. She confirmed the foreclosure sale of XXXX XXXX was stopped due to my complaint of predatory lending, and that their 'compliance people ' would review it. Among a few things discussed, I told her I wanted documentation of what SunTrust did with our interest payments paid to them over the course of the loan. She said she would have to get back with me. I have not received a return call or email on that request. 
There is a pattern of lying and/or inaccuracies, misinformation, creating confusion by passing me off to multiple representatives. Considering that, and recalling my experience with the loan application process and closing, I do suspect there are potential violations. As such, I am requesting documentation and information as outlined in my attached letter.
Product: Checking or savings account

XX/XX/year> I got a text about my phone esim changed, I got emails about purchasing things and transaction that I did not initiated. They have opened accounts using my personal information. A lease was fraudently created with Acima using my personal information, lease # XXXX. Most recent transaction ID # XXXX. They setup weekly charges from my bank using my information and probably other accounts that I am not fully aware of as yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a pervious report stated this account reported is FRAUD and yet it is still listed on me report. I have filed a complaint on two separate occasions with the FTC and the local police department. This time around I have retained an attorney and they advised me to file the complaint once more and stating the obvious involving fraudulent accounts listed on a credit report. They said they investigated but the evidence provided was a receipt that is not at all validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromise in the Equifax security breach on XXXX XXXX, XXXX. Also, why did the public just learn of this breach in XXXX when Equifax knew in XXXX? Equifax should pay to have my credit frozen.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

Unsolicited FHA refinance offer is misleading/deceptive! Major point is they focus on payment savings vs my current loan but never bring into the offer the cost of the UFMIP or the monthly cost of .80 MIP which significantly reduces the forecasted savings. If I were not a mortgage professioanal I would not have been able to see this, and I wonder how many consumers do fall for this. One last point, my rate is not 3.75 % but 3.625 % and I do not have any PMI/MI on my current loan. By adding FHA monthly MI to the {$290000.00} base mortgage the cost of {$190.00} reduces the forecasted monthly savings to only {$73.00}. However, by adding the UPMIP the final savings are even less. Deceptive and misleading advertising like this needs to be stopped. I did not apply, nor call them, as they simply omitted the impact of FHA insurance in their analysis.
Product: Mortgage

My home mortgage is through Fidelity National Financial, and their XXXX site has been down all week ( I've been trying to access the site since Monday, XX/XX/2023 ). Their website is the only way to make my monthly mortgage payments. I have a payment due tomorrow ( XX/XX/2023 ), and no way to make the payment. 

From what I've been reading, they received a cyberattack and shut down their site for a couple of weeks now. I have received no communication from the company.
Product: Checking or savings account

Someone tried to open a bank account using my information such as my name and ssn. I called the bank and got the account closed.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX last XXXX, XXXX in which I've been making payments to Chrysler Capital each month. On XX/XX/XXXX Chrysler received 2 checks for the buyout of this lease in the total amount of the buyout price they submitted to me. On check for {$9800.00} was received and applied to the account. The other check for {$19000.00} was also received, and confirmed to me verbally via phone by 1 customer rep and 1 manager and then 1 woman from the executive offices all within the date range of XX/XX/XXXX - XX/XX/XXXX. None of those people could tell me why my check had not been applied to my account yet. They each told me they would " expedite '' the post but as of XX/XX/XXXX, it still has not been posted nor have any of them called me back as promised. Their customer service has been unprofessional in addition to the mystery as to why they are holding this check, although numerous claims have been made my them that they will post it right away. I'm sure I'll be receiving a bill for interest accrued on an account that should have been paid and closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Comenity BankXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to clear all negative data that is inaccurate on my file that needs to be removed asap. checking this file all information is not 100 % accurate. this has caused major delays in processing information to help my file. please delete an remove all information invalid on my credit report.
Product: Debt collection

I.Q. Data International , Inc. is an unethical -- -at best -- debt collection agency that uses inappropriate tactics to attempt to berate consumers into repaying debts. With that, I have dealt with several members of this team over the course of XXXX years in an attempt to resolve a debt due to some unfortunate life circumstances. In each encounter, I was greeted by a XXXX representative who belittled or attempted to remind me of what a " XXXX XXXX XXXX' I was for having the debt in the first place. In this most recent incident, I called in an attempt to once and for all find resolution. I called the number listed on the document from previous failed attempts. The manager -- XXXX XXXX -- is a great salesman and attempted to sell me my debt very well by making statements that were at best vague and not factual, nor legally binding in any way, and used verbiage that insinuated they were laws that were not. Further, when I did not go along with his narrative he seemed to become agitated and told me I was becoming combative and it was my fault that I was in this position in the first place and he was doing me a favor. After some negotiating, he stated that we had been on the phone for 30 minutes and asked had I had come to a decision, and if not we were done with the call. I said I wanted to see if there were any other options but if he needed to go I understood. He then quickly dismissed me, said I was refusing to pay, and hung up. I called back and asked to speak to a higher-up manager. I was connected to XXXX XXXX -- Director of Operations -- in which case she very defensively told me she was already aware of the call, apologized for his inappropriate behavior, told me he would be disciplined, and then proceed to tell me why he shouldn't have offered me a deal in the first place and continued to berate me just as XXXX had done. I attempted to explain to XXXX XXXX that my strife was not with her, but that I felt the tactics were unprofessional and inappropriate. She proceed to get louder and tell me that I was being combative and she was a single mother. This company uses scare tactics, threats, belittling, verbal assault, and condescending behaviors to attempt debt collection. I ended the call by allowing XXXX XXXX to finish her passionate speech about why I should get no grace for my owed debt, thanked her for her time, said I would try again another time, told her that she worked for an unscrupulous  company and to have a good night.