23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a judgement with XXXX  XXXX, and I had paid for a payment protection product that did not cover the 12 months after I lost wages, or was unemployed. This was listed as deceptive marketing practices by XXXX XXXX XXXX. There was restitution paid to the customers with credit card protection between the years XXXX - XXXX. 

The credit bureau appeared to have received information that the debt was satisfied prior to XX/XX/XXXX. The debt no longer listed in the public records but was listed as an adverse account. The time was only 5 years not the required 7 year time frame. 

The lawyer attempted to collect a old debt several times. They filed an income execution and shortly thereafter released from my job in XX/XX/XXXX. And in XXXX they put a hold on my bank account, I had to file a forms claiming the funds were exempt. They attempted to collect exempt funds used to pay for standard living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX EMPLOYER : XX/XX/XXXX Inquiry XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to delete false and inaccurate information from my credit report. I disputed accounts that does not belong to me, an incorrect late payment, a fraudulent collection and provided supporting documentation proving the information is incorrect. Incorrect names and addresses. Despite this, Equifax has failed to remove the inaccurate data and continues to report it, negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

i have hard inquires with xactus, credit plus, and XXXX XXXX XXXX XXXX I havent been able to open new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

<This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> XXXX : Inquiry : : : XX/XX/ - To Remove from XXXX XXXX XXXX Inquiry : : : XXXX - To Remove from Experian XXXX : XXXX XXXX XXXX Balance to be UPDATED as of XXXX XXXX >> ( {$160.00} ) << / Currently left at XX/XX/XXXX ( {$460.00} ) *** Please fix this as my score should be higher than what it is *** XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - Address ID : XXXX -- - Type : XXXX -- - Geographical Code : XXXX ( ( ( ( ( Remove : Appeared on Experian Report ) ) ) ) ) ================================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> DEPT OF EDUCATIONXXXX XXXX : {$2400.00} DEPT OF EDUCATIONXXXX  Balance : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ================================================================== *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Product: Credit reporting

progressive financial services account # XXXX XXXX XXXX, Az XXXX XXXX this account is not mine. I have asked for this company to submit to me a signed contract by certified mail and to this day I have not received any information from them besides on my updated credit report it states verified, no change.
Product: Bank account or service

My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.
Product: Mortgage

SPS is in violation of RESPA and acting in bad faith regarding a real estate transaction. At issue is a short sale request that was submitted on XX/XX/. SPS then countered based on a drive by property analysis which is NOT valid with lived in homes. We then supplied written documentation stating this property was improperly valued as a 3 bedroom and their value was inflated. We advised them to act in accordance with RESPA and contract guidelines they are required to do an interior and to take into consideration the illegal additions which must be removed. SPS is refusing to do an interior and they laughably put in the notes they only consider what they can see in the photos which is literally the outside of the home. This is gross negligence and incompetence regarding a financial matter. SPS should be significantly fined just like XXXX XXXX as they are harming homeowners.
Product: Money transfer, virtual currency, or money service

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

I need to complain about my lender, Mr. Cooper, and their failure to make escrow payments in a timely fashion. On Tuesday, XX/XX/XXXX ( at XXXX XXXX ), I received an email from my homeowner 's insurance company that my payment was past due for a renewal of my homeowner 's insurance policy. The policy is set to expire on XX/XX/XXXX. 

On Wednesday, XX/XX/XXXX, I called XXXX ( my insurance policy holders ) and they made clear that if payment was received too late ( here, XX/XX/XXXX or later ) that my policy would be cancelled. They suggested I check in with someone at Mr. Cooper. If I could make a separate complaint about attempting to talk to an actual person, I would. Their live chat was unable to respond to my question, no one has responded to my query in the message system on the website, and the phone system will put you onto an automated system as soon as it can. When it was clear I was calling about the escrow payment that was late, the automated system gave me platitudes that it would be paid, and if it was late, it would cover any fees ( I don't think that's a good sign to be honest ). But it was unable to tell me if the payment from escrow had been sent. I tried to hit XXXX or ask for a representative, but all were met with " Sorry, I don't understand '' or " Invalid option ''. There are situations where you need to talk to an actual person, but it seems that Mr. Cooper would rather people be stuck in an automated system loop. I was only able to talk to a person by finding a number on XXXX, of all places. Once I finally got in touch with a person at Mr. Cooper, I was told that the payment had been sent on the XXXX of XXXX -- the previous year, Mr. Cooper had sent my payment in late XXXX. 

After calling XXXX again, I was told that a payment sent on the XXXX would not be received in time, and that my policy would likely be cancelled. I used my savings account to pay the cost myself, {$1400.00} total. Hopefully that will get reimbursed once the escrow payment is made, but it should not have come to that in the first place. The payment should have been made in a more timely manner. That's what the escrow account is for! If I had not had the savings, I would have had to pay on a credit card -- and imagine if I had none of these options at all, my insurance would have been cancelled for someone else 's lateness. What prompted me to make this complaint is that several others on the XXXX XXXX XXXX and XXXX have been making similar complaints about Mr. Cooper and their lateness over the past few months. I am not the only one having this issue, and I hope it is a wake-up call for Mr. Cooper to fix this issue.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$860.00}. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Debt collection

Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX  was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. 

I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. 

Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX  However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. 

I am attaching my insurance copy and also attaching a copy of the debt collection. 

I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX  XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX  TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a check from Wells Fargo Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which Wells Fargo Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to WFargo closing my account for no reason in the first place. 
It states that Wells Fargo has requested an update to my XXXX XXXX XXXX consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.
Product: Mortgage

Haaqve spoken with four different reps at the XXXX XXXX, Mr. Cooper. 
XX/XX/XXXX payment of {$350.00} made to be applied to XXXX Mortgage XX/XX/XXXX payment of {$310.00} made to be applied to XXXX Mortgage XX/XX/XXXX {$40.00} made to finish XXXX mortgage. 
All payments are applied. They never applied for the XXXX mortgage. I made a payment of {$700.00} on XX/XX/XXXX. This was applied to the XXXX Mortgage when it should have been applied to the XXXX mortgage payment and made a payment on XX/XX/XXXX for {$700.00}. This should have been the XXXX payment applied to XXXX. I Have spoken several times to reps to resolve this. They keep reporting to the credit bureau even though no payments have been missed. They keep telling me each time they are escalating the issue. It's been 90 days, and it's still not resolved with looking at another late fee added to my account. When they call me they claim they don't see anything unapplied, but when I initiate the call to try to get resolved, they see the " paper trail '' Each rep tries to tell me that it was applied to another date which it was not because of the trail I have proving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Hard Inquiry shows on my TransUnion Credit File ; XXXX XXXX Inquiry from XX/XX/2019 I did not give XXXX XXXX authorization to access my file. I contacted TransUnion to dispute this and they asked me to contact XXXX XXXX. I looked up XXXX XXXX online and they are no longer in business. 

Bottomline, TransUnion shared my credit file information without authorization and they were not helpful when I called in to dispute it. 

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

XX/XX/2019 I request Experian credit bureau to send annual credit report to me. they said within 5 to 7 business day I call back unable to get thru representative, I still have not receive report. Violating tittle 15 U.S Code 1681e I am a consumer,
Product: Checking or savings account

On XXXX I was unable to login to my bank account with simple.com I have called them on XXXX from the time their business hours open till the time their business hours are closed and no one is answering the phone lines. 

I called them again on XXXX from the open of their phone lines till the close of their phone lines and no one is answering. 

Additionally, I have called them again this morning and have waited on hold for over 2 hours. Calls are either disconnected or never answered. 

simple.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I am unable to access my bank account or contact my financial institution.
Product: Credit reporting

In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with Equifax. The disputes came back as verified from Synchronicity Bank / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Product: Debt collection

I purchased a used car and it financed threw XXXX XXXX XXXX   XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to Santander consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XX/XX/XXXX.. it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to XXXX XXXX.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require DELETION. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Checking or savings account

I have a checking account with Bank of America. On XX/XX/XXXX three fraudulent transaction were done on my account through XXXX. It was detected by bank and I got a call from an employee about the suspicious transactions. I informed the bank employee that these transactions were not done by me. 

Bank stopped the third transaction but first two transactions worth {$990.00} and {$990.00} went through. 

I immediately filed a Fraud claim with Bank but it was rejected giving the reason that bank had sent confirmation codes on my mobile ( which I had not seen as I was not accessing my phone on that Saturday morning ) Below is a summary of events : XX/XX/XXXX XXXX 1. Three transactions done by Unauthorized person through XXXX worth XXXX XXXX, XXXX, {$880.00} 2. Bank representative informed me of these transactions and I told to stop the transactions immediately 3. I filed a fraud claim within 30-40 mins and was told that first two transactions have gone through and last one was stopped. 

XX/XX/2020 Bank sent a letter stating that claim has been rejected. When I contacted customer care, I was told to bring evidence that my phone was hacked -- I contacted XXXX and was told that my device ( phone ) doesn't have any malware etc. 

I contacted my home internet provider and again there was no such evidence My mobile operator ( XXXX   XXXX XXXX mentioned that they cant provide me any information on any suspicious activity on my mobile no. 

My argument is that I dont know the entity/perdson to whom money was transferred and if it was done with my consent i would not have stopped the third transaction, which was again towards the same entity/person
Product: Credit reporting

credit Bureau Equifax not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXXand with XXXX since XX/XX/XXXX till present2. as showing XXXX names for me instead of oneI am XXXX XXXX not anybody elseAlso credit bureau XXXX showing incorrect information on my name as well - I am XXXX XXXX and onlyand I am afraid that third credit bureau has the same issues but they did not provided for me their data for nowPlease help me out because these situation continuing for a years and they are not helping at all