23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Trying to clean up my credit I paid a past bill to Americollect XX/XX/XXXX.After they got all my information they stated I had another bill of {$750.00}. I immediately call the original creditor which had no records of the so called bill/amount. I called Americollect back and I relate what I was told I then asked what date was the so called service I was told XX/XX/XXXX. I filed bankruptcy XX/XX/XXXX and all bills were discharged XX/XX/XXXX. I told them that. I was given the email address to send proof of the bk XXXX discharge and I did. On XX/XX/XXXX an alert from XXXX The XXXX Americollect put that {$750.00} on my credit. Hence I called them and spoke to the supposedly head XXXX who said that bill was after I filed bankruptcy and that bill wasnt on the list. I am quite sure that was apart of the bankruptcy, her lies and tricks didnt move me because I intend to fight it. She should be ashamed of herself. This is why I need this to be investigated.
Product: Debt collection

Currently, I'm unable to pay my credit card bills due to financial hardship. I've received numerous calls from them and it won't stop, please see below : XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XX/XX/ 2020 at XXXX, XXXX XXXX XXXX, 2020 at XXXX XXXX XXXX, 2020 at XXXX Debt owed is : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts was open in my name fraudulently. 
XXXX XXXX XXXX XXXX opened on XX/XX/2021 and has a balance of {$10000.00}. XXXX XXXX XXXX BANK Credit Card Opened on XXXX and a balance of {$910.00}.
Product: Mortgage

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I  called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX  attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.
Product: Debt collection

In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate. without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I marked as inaccurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove from my credit report
Product: Money transfer, virtual currency, or money service

I use fifth third banking, and through XXXX built into the app I was scammed out of XXXX dollars. I was offered XXXX dollars to complete a task, and was sent a check ( {$2000.00} ) that was more than the amount agreed upon. I waited for the check to clear, and then sent back the remaining amount via XXXX. A few days later, the check disappeared from my account, and fifth third did an investigation which resulted in them refusing to do anything about it. I couldn't appeal, and they would not offer any protection against this. The check had appeared in the app as fully processed and cleared.
Product: Debt collection

I received a letter from Date : XX/XX/XXXX Re : Dispute and validation request XXXX Ref # XXXX XXXX Customer : TD Bank XXXX/XXXX Credit card Original Client Acc # XXXX XXXX XXXX XXXX, XXXX, Doing business As, XXXX XXXX XXXX XXXX / XXXX, FL XXXX This company sent me a lot of statement from XX/XX/XXXX to XX/XX/XXXX relating to credit card debt because last three month i receive a notice of collection that I owe XXXX credit card the sum of {$300.00}, I reply that I did not know this debt and need debt details, now they sent me about 10 statements from XX/XX/XXXX to XX/XX/XXXX beginning with transaction {$50.00} on XXXX + accumulation original debt + interest + penalty monthly up to amount of {$300.00} in XXXX. After reading information from news paper said that XXXX  is hacked and leaking many thousands customer 's identities ( in XXXX ) I do not use XXXX  credit card. 

So far, I did not receive any statement notification by email or by mail of Target since XX/XX/XXXX. I think my identity was leaked by XXXX  and other guy can use it to apply for XXXX credit card and use it under my name. 

Why XXXX  or TD Bank do not sent monthly notice or statement by email or by letter as other entity issuing Credit card like XXXX, XXXX XXXX, or Banks? Why they hiding the statement? what for? why they intentionally hiding them until the accumulation amount up to {$300.00} from the beginning amount only {$50.00}?? 

If they sent statement to me monthly, I should have paid in full the first statement dated XX/XX/XXXX {$50.00}!! They must have responsibility to leak identity of customer and did not info customer this problem! in XXXX i must close all my bank account and freeze my SSN to prevent from identity thief. 

This is not a fair business to hide statement for a long time to collect accumulated penalty and interest, they did harmful consequences by leaking customer 's identity!! 

I need help from CFPB to resolve this problem asap. 

Thank you.
Product: Credit reporting or other personal consumer reports

Please remove the accounts and inquires which are listed in the letters and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

after Equifax betrayed EVERY AMERICAN ADULT ( I did the maths. the breech was not just an amount of americans, it was LITERALLY EVERY AMERICAN ADULT. ), they were allowed to protect us ( from themselves? ). so maybe this time, something will get done : they have an address for me that is IMPOSSIBLE. i have NEVER in my lifetime even VISITED Oregon, yet Equifax has a Portland address for me ; also, they have my " current '' employment information as : Accurate Staffing Care. that company BELONGED TO MY FATHER, so when i tell you that NO ONE WORKS THERE, ESPECIALLY NOT ME, you can believe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX Account # 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

On XX/XX/XXXX I filed a complaint on XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove " DEROGATORY '' and inaccurate information from my Experian credit report as XX/XX/XXXX. 

1 ) In my Experian profile XXXX XXXX XXXX is currently reporting the original loan balance as {$13000.00}. 
On my XXXX Credit Report it states the original loan balance {$12000.00}. 
There are inconsistency in the original loan balance on two of 3 of my credit reports from XXXX XXXX XXXX, therefore I'm requesting all inaccurate information from XXXX XXXX XXXX be removed immediately. The account is closed! 

2 ) This account has been settled and paid in full in XXXX, has never been late. 
Therefore XXXX XXXX XXXX is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX has abused, violated my rights as a consumer, I will take legal action against XXXX XXXX XXXX if all this information isn't removed immediately!! 
And I ask Consumer Financial Protection Bureau open a thorough investigation into XXXX XXXX XXXX of how they handle consumer credit reports.
Product: Mortgage

CALLED THE LENDER WAS TRANSFERED AROUND UNTIL I REQUESTED XXXX, DEPARTMENT. I SPOKE TO XXXX ABOUT THE SALE OF THE PROPERTY AND ADVISED THAT THE BORROWERS BROTHER, WHO INHERITED THE HOME HAS FILED A CHAPTER XXXX ON XXXX AND WAS PROTECTED BY THE AUTOMATIC STAY WHEN THE SALE TOOK PLACE AND THAT THE SALE NEEDS TO BE REVERSED LENDER RESPONDED BY SAYING THAT THE ONLY THING THAT HE CAN DO AT THIS POINT, IS REFER ME TO Some WEBSITE ( XXXX ) I TRIED TO EXPLAIN THAT I SHOULD BE PROTECTED BY AUTOMATIC STAY BUT THE REPRESENTATIVE JUST KEPT SAYING THAT HE NEEDED ME TO GO TO THAT WEBSITE AND COULD NOT HELP ME. NOT ONLY DID I SPEAK TO XXXX I SPOKE TO XXXX IN LOSS MITIGATION DEPARTMENT I SPOKE TO XXXX IN THE BANKRUPTCY DEPARTMENT AND KEPT TELLING ME THEY COULD NOT HELP ME, I NEED HELP AND I CAN NOT AFFORD A LAWYER BUT THIS LENDER IS TAKING ADVANTAGE OF THAT AND SOLD MY HOME AND VIOLATED FEDERAL LAW IN DOING SO PLEASE HELP I HAD SPOKE TO THEM PREVIOUS ABOUT A LOAN MODIFICATION AND HAD ALREADY PROVIDED THEM WITH THE DOCUMENTATION THEY REQUESTED I WOULD LIKE TO CONTINUE WITH THAT
Product: Money transfer, virtual currency, or money service

Summary : Synchrony Bank has yet to respond to my repeated requests to : i. reject Synchrony Bank 's Arbitration Section of the revised PayPal Credit Account Agreement, and ii. to close my PayPal Credit Account.

On XX/XX/2019, I received a letter from Synchrony Bank ( dated XX/XX/2019 ), stating that Synchrony Bank will be the new " Lender '' for my PayPal Credit Account ( the previous lender for this account was " Bill Me Later '' ). Additionally, the letter stated that new Account Terms have accompanied the new Lender assignment, including ( among other term changes ) a clause requiring dispute resolution via Arbitration ( along with a clause that permits the rejection of the arbitration provision ). 

On the same day I received that letter, I wrote and mailed a letter to Synchrony Bank stating that : i. I wished to " Reject the Arbitration Section of the PayPal Credit Account Agreement '', and ii. that I requested to " Close my PayPal Credit Account ''. I also attempted to contact Synchrony Bank to inform them of these wishes via telephone, but each time I was met with hold times exceeding 120 minutes. 

To date, Synchrony Bank has refused to acknowledge or confirm my requests. Additionally, on XX/XX/2019, I received email correspondence from Synchrony Bank stating that my PayPal Credit Account was still open, contrary to my repeated requests.

My requests are the following : i. To reject Synchrony Bank 's Arbitration Section of their updated PayPal Credit Account Agreement, ii. to close my PayPal Credit Account, and iii, to confirm those in writing, all of which I had requested in my letter to Synchrony Bank dated XX/XX/2019.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I co-signed on a business loan ( US Bank ) for my daughter back in 2010 ( ending XXXX ), the business was dissolved after a year and there is no balance on ( account ending XXXX ) Last XXXX I received a letter from US Bank stating that my ( account ending in XXXX ) was linked to a credit card ending in XXXX with a balance of {$17000.00} that my daughter took out some time later. 

US Bank is saying that I am responsible for the {$17000.00} because my name is on it. 

I don't understand how I can be responsible for the ( account ending XXXX ). I have never received letters or statements regarding account ( ending in XXXX ). 

I check my credit score regularly and the US bank account that is listed on it as {$0.00} balance. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Discover Card responded with a combative answer and decided to keep sending incorrect information to the credit bureaus. So since Discover claims that I owe them money I want to see my signature on a document from them that I took out a credit card with them. I want this negative report removed from my credit report and that Discover STOP report incorrect information to the credit bureaus. Discover can not sue me for money that I do not owe them so they are being nasty and trying to ruin my credit. Stop reporting incorrect information on my credit report or send me a signed document that I agreed to borrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXXXXXX XXXX and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
Product: Mortgage

I closed on a house with XXXX XXXX XXXX in XXXX of 2024 with the first payment of {$3900.00} due on XX/XX/2024. 

On XX/XX/2024, I made a {$2000.00} partial payment to XXXX XXXX. 

On XX/XX/2024, I received a letter from XXXX XXXX saying they had sold my loan to OCMBC Loan Stream. 

On XX/XX/2024, I made another {$2000.00} partial payment to OCMBC Loan Stream, meaning I paid {$4000.00} total for the XX/XX/2024 due date. I called OCMBC the same day explaining the partial payments and asked if the over payment of {$56.00} would be applied to the principle, and they told me yes. 

On XX/XX/2024, I received a letter from OCMBC Loan Stream saying they had sold my loan to XXXX XXXX, 12 days after they became my servicer. 

XXXX XXXX  only showed that I had paid {$3900.00} for the XX/XX/2024 due date, and the over payment was not applied anywhere. They told me to contact OCMBC and find out where the {$56.00} went, but OCMBC told me the loan had been sold and they had transferred everything. Both companies gave me the round-around and no one wants to help. I understand {$56.00} is not a large amount, but I did not appreciate these mortgage servicers not doing their job and stealing my money.
Product: Debt collection

I was reviewing my credit report to see where I stand on my attempts of home ownership and I see two delinquent entries made by LVNV. I attempted to find their address in Nevada and found them in South Carolina under the name Resurgent Capitol.

LVNV is a third party debt collector but I fail to see why are their so many names attached to my two entries and I am disputing the validation of the companies themselves. 
I feel there are some illegal debt collection activities here and asking on a debt collector license and if they are legal in South Dakota to collect any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

Experian : XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed off a collections company national credit adjusters but they never took off the balance or the derogatory mark I paid it In full
Product: Credit card or prepaid card

Hello, I'm XXXX XXXX i have been filling for my Benefit, but I've never receieved my CARD to be able to access my Funds, i've placed several calls through for months now it's been same .I 'm way to old for this stress please help resolve by shipping my card through o address.
Product: Student loan

I am filing this complaint against MOHELA for improperly handling a payment made to my student loan ending in XXXX. On XX/XX/year>, I made a payment of {$2600.00} - the exact amount stipulated as the online payoff amount available in my loan details on XXXXXXXXmohela.com. I explicitly directed my payment it to be applied to loan number XXXX. Despite this clear intent, MOHELA took it upon themselves to reverse a portion of the payment and then allocate portions of this payment to other loan accounts without my authorization. 

As a result, loan number XXXX still shows an outstanding balance of {$0.00}, which I have now ( again ) paid. MOHELA 's actions contradict the terms of my loan agreement, which allow me to direct payments to a specific loan. I did not approve or request the reallocation of any portion of this payment to other loans. 

I am seeking the following resolution : - Reversal of any payment amounts improperly allocated to loans other than loan number XXXX. 
- Confirmation that the entirety of my payment has been applied to loan number XXXX to fully satisfy the balance. 
- A refund of any excess funds remaining after loan XXXX has been paid off. 
- Written confirmation that loan number XXXX has been paid IN FULL MOHELA 's failure to follow my explicit payment instructions has caused unnecessary confusion and concern. I expect corrective action and adherence to the terms of my loan agreement.
Product: Credit card or prepaid card

I closed my credit card with XXXX back in XXXX. The interest rate at that time on the closed card was 14.24 %. There is still a balance which I am paying monthly. The interest rate has increased to over 15 % on the closed card. I received a couple of statements from the bank from XXXX showing the interest at 14.24 %. I wasn't notified the rate increased and how can it increase on a closed card? Since I don't have the card any longer, they would not assist because couldn't provide the entire account number- I wasn't getting paper statements after the account was closed
Product: Credit card or prepaid card

My Exxon Mobile Credit card was lost/stolen. When I realized this I contacted Exxon to report it and was still billed for charges I didnt authorize. I filed a police report and everything for this it was over {$700.00}. Please help me in XXXX name. Amen
Product: Credit reporting or other personal consumer reports

Experian has failed to provide an adequate response to an investigation request on 2 separate occasions. Therefore I hahe attached an intent to arbitrate communication to this complaint.