23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm attempting to payoff a loan with Home Point Financial Corporation. Even though I have paid off virtually the entire loan except for perhaps XXXX cents of interest that might be due, when I called Home Point Financial Corporation today, I was told that I owed my usual monthly payment of {$2600.00}. I paid almost the entire loan through debit payments from my checking account. For some unfathomable reason, this business insisted that I couldn't make the payoff amount of {$88.00} effective throughXX/XX/XXXXby debiting it from my bank account, which I had done to pay off the rest of the original {$390000.00} loan. They offered two inconvenient options. One option was to wire the money, which would cost me a {$25.00} wiring fee. The second one was to mail certified funds, and try to estimate the interest to anticipated day of receipt of mail. On XX/XX/, I mailed a money order in the amount of {$88.00} ( {$88.00} plus {$0.00} to cover 5 days of interest beyond the loan payoff effective date of XX/XX/ ) and the post office estimated that mail would be delivered XX/XX/. I included interest to cover delivery delayed until XX/XX/. Unfortunately, delivery was delayed until XX/XX/. I spoke with a supervisor named XXXX XXXX on XX/XX/, and she stated she would help me make the payment by phone if I call back on XX/XX/ or XX/XX/. I called back today. The customer service representative ( XXXX ) hung up on me after a 30 minute phone call without getting me through to XXXX 's voice mail, and the second time, after waiting for almost half an hour, he proceeded to continue to argue with me and then after a delay of another 10 minutes, forwarded me to the wrong voicemail ( someone named XXXX ). XXXX did confirm that a money order payment of {$88.00} was received on Friday, XX/XX/. I would like to pay whatever amount I might owe at this time ( probably XXXX  cents based on the daily per diem and the fact that I only included XXXX cents of per diem interest to cover delivery until XX/XX/ and delivery actually occurred on XX/XX/ ), and I would like to do this by debiting it from my bank account as I have done to payoff virtually the entire loan. I don't understand why this business doesn't allow this option as it guarantees timely delivery of payment unlike mailing the payment and also doesn't require an extra {$25.00} payment as would be required for wiring the funds. I have paid off a car loan by debiting the payoff amount from my checking account. My student loans can also be paid off by debiting the payment from my checking account.
Product: Debt collection

I am XXXX XXXX XXXX through the XXXX/VA and state/SSI. They call before and after the allotted times. They also try to avoid saying they are collecting a debt and using shady tactics to collect information from me. They try to say they are different business as well, often. The name of the company is Progressive Management Systems. Todays date is XX/XX/2020. They have called the past 3 years through many phone numbers and have tried to contact my family as well.
Product: Credit reporting or other personal consumer reports

My specific issue is with Experian ( other credit bureaus are easy to work with ). Using Experian 's website results in an error message every time I try to log in ( mobile app same result ). The only option to resolve this is a phone number provided on the error page which brings you to an automated system. Experian 's automated system is unable to resolve any issues, never connects to a customer service representative, directs you back to the Experian website, and hangs up. The customer service number on Experian 's website results in the same outcome. I have made XXXX phone calls in XXXX weeks to resolve this with the same result. If I had a choice I would never deal with Experian, but they unfortunately hold my credit in their hands ( literally ). For someone dealing with credit theft like myself, being forced to work with Experian is criminal. Trying to deal with Experian is impossible - what some might call illegal with their role as a major credit bureau. I have never spoken to a person at Experian because there is no way to reach a person. As far as I can tell everyone on the internet has the same issue with Experian. Really unfair that this is the company we are forced to use. Accountability on Experian 's part seems to be missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX - Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Telecheck is not keeping up with its check approval database which has resulted in my business check being declined.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am submitting to respectfully follow up on the CFPB complaint I recently filed concerning inaccuracies persisting on my credit reports dated XX/XX/XXXX. Enclosed, please find the requisite FTC Report with reference numbers # XXXX & # XXXX, accompanied by pertinent personal documents. The fraudulent entries persisting on my credit reports, outlined by bureau, are as follows : -- -- -- -- -- -- -- -- -- 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since I've been with Wells Fargo I have had XXXX new debit cards issued to me due to charges that were not made by me. 
It's a hassle to let the merchants of Bill pay know of the new cards each time.

And 1 time I overlooked to let one know and was charged late fees.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 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 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 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 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 XXXX XXXXXX/XX/year>
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX XXXX when I contacted to the regions bank agent I filed a dispute which is unauthorized withdrawal on my bank account amount from {$10000.00}, {$82000.00} and {$2000.00} from IRS AND Long game transfer on XX/XX/XXXX and XX/XX/XXXX. the agent just requested me to enter the branch XX/XX/XXXX, XXXX in person they file dispute and claim form. up to 7 business days processed credit back XXXX account. it has never happened. I decided to call agent on the phone. it said deny claim. I was extremely upset and XXXX off. I felt like they didnt believe me. I did proofed show everything on my statements proof. build the boil the blood and build getting angry because of my bank account overdraft. they not help me nothing. thy didnt do anything to help me .I decided to file a complaint and sue regions bank I decide to sue regions bank amount {$200.00} XXXX deposit back on my bank, they better owe me. up to 5 days response me I want them paid for and sue regions bank {$200.00} XXXX. I felt like they have been discrimation me because I am XXXX XXXX.
Product: Mortgage

CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank  only to answer the following questions. 
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX  and placed our loan/asset into a pool of trust known as XXXX XXXX  XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 
4th, is Goldman Sachs policy, to maintain accurate records at all times? 
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX   XXXX have caused us mental and emotional damage? 
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?
Product: Credit card

I have not heard any reply. I sent a complaint to the CEO XXXX XXXX and FDIC this morning and am still waiting for a reply. I already have a checking account with JP Morgan Chase bank that received my lifetime pension- Social Security and XXXX pension, every month.. that totals approx. {$26000.00} plus I have new business contracts for ( XXXX ' XXXX XXXX XXXX XXXX. Here is the link to my website for more details : our website XXXX XXXXXXXX XXXX XXXX/ NOTE : I have an open elder abuse case and need the funds to move/relocate - asap. ** View " Home '', " About '', " More '', '' Gallery '', " News & Views '', " Events '' & " Shop '' / '' Learn More '' ** I conduct XXXX, and also have been fundraising. Here is a business description : XXXX XXXX XXXX XXXX XXXX encompasses XXXX distinct entitiesa professional business advisory consulting firm and a 501c3 non-profit organizationboth dedicated to fostering international education and sustainable communities. 

The consulting firm acts as a strategic partner for businesses, ( XXXX, XXXX, XXXX ) offering expert guidance in areas such as market expansion, strategic planning, cross-cultural collaboration, and sustainable practices. Leveraging its global network and expertise, the firm assists clients in navigating complex international markets while prioritizing ethical and environmentally responsible approaches. 

Simultaneously, the affiliated non-profit organization, under the same name, focuses on advancing education and sustainability on a global scale. Through educational programs, scholarships, and partnerships with institutions worldwide, the non-profit aims to empower individuals with the knowledge and skills needed to drive positive change in their communities. 

These entities symbolize a holistic approach to creating a better world. The consulting firm facilitates responsible business growth, while the non-profit promotes international education and community-driven sustainability initiatives. 


XXXX ' XXXX XXXX XXXX embodies the concept of transformation and renewal, echoing its commitment to propel individuals and businesses towards a more interconnected, educated, and sustainable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS STATE OF MI CHILD SUPPORT XXXX XX/XX/XXXX XXXX STATE OF MI CHILD SUPPORT XXXX XX/XX/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 or other personal consumer reports

To whom it may concern I receive a copy of my credit report and found the attach items to be in error .By the provision of the fair credit reporting act I DEMAND these items to be investigated and remove from my credit report.It is my understanding that you will recheck these items with the credit creditor who posted them.please remove any information that the creditor can NOT verify.I understand that under 15 USC section 168IA.they must complete the investigation within 30 days of the receipt of this letter.Please send me an updated copy of my credit report to the address provide. 

Please note that I had previously tried to get in contact with company via mail sent XXXX XXXX never received a response back from them.
Product: Credit card

I asked repeatedly for information of the interest rate when I signed up for this card back in XXXX. They are refusing to provide the information. For some reason, they are now charging an interest rate of 31 % which I can not afford as I am battling XXXX. I don't understand how they can charge such a high rate. I only questioned the rate as I made payments on the account but the balance only increases. This is an unfair practice by the bank.
Product: Debt collection

I have received various and multiple collection attempts from LVNV funding originating as a civil complaint filed in the XXXX  Municipal Court ( Case XXXX ) on XX/XX/XXXX. 

The creditor violated my rights under the Fair Debt Collections Practices Act ( FDCPA ) by failing to send me a notification of debt prior to the civil filing and furthermore failed to comply with a validation of debt request as stated in my Answer and Subsequent Motion to Dismiss filing with the court. The case was dismissed at the request of the attorney representing LVNV Funding, XXXX XXXX XXXX on XX/XX/XXXX. 

My request for validation of debt was sent to LVNV Funding XX/XX/XXXX in conjunction with a cease and desist of communications the same day I filed an Answer with the court in accordance with my right under the FDCPA. Verified XXXX delivery on XX/XX/XXXX. 

LVNV Funding failed to supply a validation of debt or ask for additional time within the confines of the FDCPA and should have, by law, expunged the debt from all credit bureaus. 

On XX/XX/XXXX I received an email from a XXXX XXXX from XXXX attempting to collect on a debt on behalf of LVNV Funding. XXXX XXXX XXXX either sold this account to XXXX XXXX or LVNV Funding may have churned this account to a different agency. In either case I had documented verification that LVNV Funding received my request for a cessation in communications. I consider XXXX 's emails a violation of that request and in violation of my rights under the FDCPA. 

On XX/XX/XXXX I sent a similar cease communications request to XXXX. This is the second such request I had made and consider the original failure of validation on LVNV Funding 's behalf to obligate them to expunge this record from all credit bureaus. 

Om XX/XX/XXXX I received a letter from Resurgent Capital Solutions attempting to collect on the same account as the previous 2 companies did. 
Once more violating my rights under the FDCPA.
Product: Debt collection

I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.
Product: Credit card or prepaid card

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item DISCOVERBANK is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
DISCOVERBANK XXXX {$3000.00}
Product: Debt collection

On XX/XX/2021 I.C.SYSTEM inc. sent a collection notice my address attempting to collect a debt. Balance due {$2100.00} in the positive not negative items I think they are cutting me a check. They called my phone number multiple times mostly at an inconvenience to me. I sent the first letter dated XXXX Then they violated multiple laws and U.S. Codes which I put them on notice about. I sent them an affidavit of Truth, cease and Desist letter, Exhibits of the violations they infringed, and an invoice for the violations they broke under 15 usc 1692 which are all federally protected. This packet of letter was sent certified mail and received XX/XX/2021. They have 30 days from XXXX to reply to my demands by law, if they don't on the XXXX day I will file suit upon I.C. SYSTEM INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I need these removed as soon as possible. I do not recognize these inquires on my credit reports- Transunion, XXXX, and XXXX. The following need to be removed : 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 XXXXXX/XX/XXXX. Attached is a FTC Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00} and XXXX XXXX XXXX in the amount of {$390.00} on my credit report. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.