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

For the past year I have contacted XXXX and Equifax with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.
Product: Debt collection

Collector : XXXX XXXX XXXX XXXX ( XXXX ) XXXX This collection company was engaged incorrectly by XXXX ( XXXX ) XXXX regarding an unpaid medical expense. The date of service was XX/XX/XXXX and this debt was paid on XX/XX/XXXX. 

I contacted AMCA on XX/XX/XXXX and advised this debt was in error and I required a letter advising it had been removed. The representative advised that they do not send letters once the debt has been resolved. This was not well received and I advised I require a letter. 

On the same day, I contacted XXXX directly and Spoke with XXXX XXXX. She reviewed my file and advised there was no outstanding balance and this was sent to collections by mistake. She called AMCA and advised them that the debt was in error and that they would send me a letter to resolve. 

Today, XX/XX/XXXX, I contacted AMCA again regarding this incorrect debt after receiving a third collection letter. I was under the impression that this was resolved. I spoke with a representative, XXXX XXXX, who advised that there was no proof of debt being resolved. I relayed my conversations from the prior contact on XX/XX/XXXX and he advised there was nothing he could do. I asked repeatedly on his recorded line for information regarding the regulatory body for debt collection. I was repeatedly advised that he does not have this information and there was no one else to talk to. 

I sent my proof of payment via email to XXXX and will be faxing the same email to them at ( XXXX ) XXXX. They have repeatedly told me that they will not send a letter of debt being closed. This seems improper handling of my account and a direct threat against my credit report. It would seem that they do not have any regard for consumers that are incorrectly in their cross hairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, u nder Section 611 ( 5 ) ( A ) of the FCRA- th ey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Student loan

I have contacted Aidvantage in XX/XX/XXXX. Requesting repayment options. I was advised to consolidate all of my loans even the parent plus loans. This would allow me to be apart of the save plan to help lower my monthly payment from {$900.00} a month. 

I consolidated all the loans and now I have a large payment of {$2000.00} dollars a month. 

I have contacted Aidvantage 3 times as of XX/XX/XXXX. Why is my payment so high and I am unable to pay {$2000.00} it is higher than my mortgage payment. 

I was informed that I should not have consolidated all my loans together. 

Why am I getting different information from each representative and now the company cant lower my monthly payments. 

So Ill end up with negative credit reporting following the advise of Aidvantage. 

The company has misleading information and I am in trouble with making my payments. 

I have always made my payments on time before the pandemic now I will be unable to make payments. 

Please help
Product: Credit reporting or other personal consumer reports

XXXX, equifax have inquiries i dont recognize or authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ EXPERIAN AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX my student loans were transferred from XXXX to XXXX. My balance with XXXX is now {$0.00}. 

In XX/XX/XXXX I reported that my student loans were showing as duplicates on my credit report. Both XXXX and XXXX are showing on my report and both are showing balances. This is incorrect. My XXXX account should reflect as {$0.00} and my XXXX account should reflect my student loan balance since it was transferred. 

On XX/XX/XXXX I received a letter from XXXX that when my loans were transferred XXXX created a new trade line on my credit report instead of updating the XXXX trade line to their information. This is causing my student loans to be duplicated on my credit report. 

It has been XXXX  month since this investigation was completed and there have been no changes to my credit report. I was told that XXXX was notified about the issue and to give them time to update everything, but as of this morning nothing has been done. This is unacceptable and needs to be fixed immediately as this is affecting my credit report.
Product: Checking or savings account

On XX/XX/2021, I recieved an email from my XXXX XXXX reporting that a TD Bank account was created/opened in my name. My name is XXXX XXXX XXXX and the debt card number XXXX. On XX/XX/2021, I recieved a TD Bank debt card with my name on the debt card. I did not request or open this bank account with TD Bank. I called TD Bank to report this to their Fraud Department and they told me to report this activity to you all.
Product: Mortgage

I've been making bi-monthly payments as I was told this would reduce my balance quicker. When I noticed that they hadn't applied by first bi-weekly payment, I called them and was informed that they hold the payment until both payments are made and then apply it. What that means is that while they hold my first monthly payment I continue to accrue the per diem instead of reducing my balance it makes no impact. This is trued until we get two months during which there are three pay periods in a month for a year. Only then will I be one month ahead. When I told them I wanted the payment applied as soon as I made they informed me that that was not how it worked. I just don't know how they get away with holding my money, earning interest on it for themselves and I get no immediate benefit.
Product: Debt collection

Please read the attached correspondence between XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX My son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. 
I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manager and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, Im a XXXX  so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. 
Please review the correspondence between the debt collector and XXXX XXXX XXXX 
In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. 

I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. 

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

I am never late in this accounts
Product: Checking or savings account

Can't link my PNC debit account to any third party to give mobile access. 
This is required to receive grants for XXXX relief fund. Part of the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt on several Occasions and the debt collectors XXXX has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are XXXX XXXX and sequim please remove these account
Product: Student loan

Contacted EdFinancial on XX/XX/XXXX via email to request refunds of student loan payments made during the COVID payment pause ( beginning XX/XX/XXXX ). I continued to follow up via email and submit any requested documents and Edfinancial has not given me a date of when my refund will be processed and when I will receive the refund to my account, while other service providers are processing within XXXX weeks and sometimes within XXXX weeks. I received no confirmation of request for a total of {$4900.00} of payments made since the payment pause. I need the balance reinstated and refund ASAP for correct student loan forgiveness eligibility. They were fined for misleading consumers and their latest data breach too.
Product: Money transfer, virtual currency, or money service

I called and authorized my retirement account holder, TIAA, to transfer {$7000.00} from my bank 's checking account into my IRA. Instead, they transferred {$14000.00}, which is not allowed. They have screwed up and want to send me a check in the mail for the amount, but can't tell me how long it will take. This is unacceptable. Why would they take twice the amount I asked that is obviously over the allowed amount? Something is very wrong with this company
Product: Checking or savings account

I want my money from my account and all my family account connected that was suspended for unkown reasons. 
I have XXXX dollars saved in the accounts and randomly my account was suspended with no reason why. 
I can't see my money and no one will release it to me.
Product: Prepaid card

I have not been able to use my rush card or access my funds since Monday XXXX XXXX, 2015 and today is Tuesday XXXX XXXX, 2015. I have called customer service everyday three and four times a day and wait on hold for an hour or longer to be told they are working on it and they dont have an exact time it will be corrected. That is when I am able to reach someone the other time I get disconnected. How am I expected to live without access to my money, I have bills due and no food to eat, also no gas to get to work!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXXXXXX XXXX XXXXXXXX Dear Equifax XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : XXXX of privacy policies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Accuracy of credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : 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 of such dispute, the agency shall 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, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I am the owner of XXXX XXXX XXXX, XXXX, NC XXXX. 
I bought the property in XXXX and paid as agreed until the endof XXXX. Due to personal and economic problems, I could notkeep up with payments to Select Portfolio Servicing XXXX XXXX XXXX. Both Deed of Trust were obtained at the timeof my purchase. These Companies are the current servicingcompanies that this complaint is all about. 
I gave up with XXXX XXXX even though they are chargingme a current rate of 12.5 % interest. They are impossible totalk to on the phone. Harassment is the only descriptionthat can define this company. I have gotten well over XXXXcalls, even on Sundays per year. It should show in their records. 
I had worked with SELECT PORFOLIO SERVICING to obtain anadjustment of the current interest rate of 8.5 % but I wasnever able to get a positive response. I decided to ask for aDeed In Lieu due to the fact that SPS has gotten appraisalsand XXXX to find the current market value, I bought the property at {$85000.00}. Today it is reported that is worth no more than {$40000.00}. Since I stopped payments, interest and penalties has adadded up to over {$96000.00}! 
After months of paperwork, In XXXX XXXX, I was told by SPSthat the STATUS of my account was at a Title search stage. 
Every single conversation with SPS has my permission to berecorded. Within days from that phone call, I received a letterfrom SPS denying my request for a Deed In Lieu due to lack ofsent by me. Since then I have copies of faxes sent to SPSshowing information as per request, yet I receive letters almostdaily, from SPS. My stack of papers is now over XXXX inches thick. 
I have been to court XXXX already for a foreclosure hearing. 
XXXX it has been reschedule because I showed the courtpapers to prove my case for the Deed In Lieu. Next courtdate if XXXX XXXX, XXXX. I have proof that SPS is very wellaware of this date. 
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation.
Product: Debt collection

XXXX  Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} XXXX Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} How can I have two collections account listed on my credit report by the same creditor but different account numbers.
Product: Debt collection

I moved out of my apartment, where I had lived for 13 years on XX/XX/XXXX. I was told I could not extend my time and must vacate premises by end of day, Monday XX/XX/XXXX, I moved out, despite the fact I had to leave valuables personal property like furniture. I had to move to my parents condo in Florida to handle the property they had left after their death because the executor had not taken steps required. On XX/XX/XXXX I received a collection letter stating that I had not paid the amount of Moving-out charges per the report by the XXXX XXXX management. 

I have never received said report, presumably because the USPS LOST my mail for the period from XX/XX/XXXX to XX/XX/XXXX. I responded immediately, in writing, stating I did not, nor could I verify the amounts stated in the debt collectors letter since i never received any report and did not know what became of my security deposit nor last months I paid when I first moved in back inXX/XX/XXXX. I received a call on XX/XX/XXXX from the collection agency and was told the were charging interest at 5 % a day and they would report debt to credit agencies in one week despite my disputing the amounts. I did agree to pay a portion they said was the last utilities but I had to see the report itemizing the other charges. I have not received the report, and received another letter on XX/XX/XXXX which had the original balance plus interest but not reflecting the amount I paid XX/XX/XXXX over the phone. The collection company has not sent the so-called report and refused to stop further actions while we attempt to verify the accuracy of the debt. Without any information, they are unilaterally taking steps to damage my credit and charging interest on unverified debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$350.00} Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$19000.00} Status Open. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$530.00} Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$660.00} Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$770.00} XXXX XXXX account. {$15.00} 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 an account without my written instructions the following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting

I called XXXX and Equifax in regards to the XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XXXX, XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called XXXX and Equifax, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
Product: Debt collection

The debt is too old to be on my credit report, amount is incorrect, original date is incorrect