23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I retained copies of my credit reports in XXXX and noticed that Senex Services Corp placed a collection on my credit report in which they claimed that I owe {$320.00}. I immediately disputed it as have never done business with XXXX XXXX XXXX and I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX remove this item from my credit reports by sending a certified return receipt letter to XXXX. But XXXX has yet to remove this Item. I have maintained a careful record of my communications with Senex for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX not remove this account from all my credit reports. 
I have reminded XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of XXXX to remove this account from my credit report will result in a small claims action against XXXX XXXX XXXX in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection. 
2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress XXXX XXXX XXXX will be required to appear in a court venue local to me in Texas to defend themself. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about  XXXX / XXXX / XXXX   XXXX   XXXX  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX   On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3  ) Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 Any consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title. ( 2 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) " Whenever  a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False  or misleading representations  ( 10 )  " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Product: Debt collection

The debt showing on my credit report by Phoenix Financial Services and XXXX XXXX XXXX are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.
Product: Credit reporting or other personal consumer reports

This is my OTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged extortion. 


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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I contacted Commercial Credit Counseling Services , Inc. dba XXXX XXXX ( XXXX  ) in XX/XX/2018 when I was having trouble paying my business debt. I never missed a business debt payment and wasn't late. However, I was told that they were expert negotiators that could get my business debt settled for a fraction of my balances and " buy me time '' and free up my cash flow. The sales person told me that they charge a total of 2 % of what I owe my creditors, plus 30 % of the difference between what I owe my creditors and what they settle the debt for. I was told that the settlements would be structured over a 5 year period from the time settlement was made with each creditor. They were going to do ACH debits weekly in order to build up a balance in an account they held that was to pay settlements in the future. It was very important that I build up my account with them so the funds would be ready to make deals with my creditors. The representative from XXXX  told me on the phone to stop paying my creditors to open a new bank account and to pay XXXX  directly. 

One month later XXXX XXXX informed me that they " settled '' with one of the creditors. The amount owed to the creditor was {$39000.00}, XXXX  settled for {$27000.00} a 30 % settlement. However, the payback is {$450.00} for 60 months to the creditor. The fee to XXXX for this service is {$390.00} for 60 months + {$15.00} for each monthly transaction + a one time fee of {$3000.00}. Grand total payback to XXXX is : {$27000.00}. 

How is this legal? I hired them to settle a debt for me, not increase a debt by over $ 15K. This is a simple case of fraud. 

In reviewing my emails from XXXX, they purposely avoided using certain words ; however, the phone conversations were quite different. I was misled and lied to. I understand why several states including Indiana, and Oregon has issued this company ceased and desist orders. 

I am canceling the agreement I have with XXXX  and requesting the full refund of every dollar I paid them. I believe and can prove that their deceptive practices void the agreement.
Product: Credit card or prepaid card

I use XXXX XXXX  for all my banking. 
Over the summer my mortgage payment with Bank of America was lowered. 
I went into the bill pay section to set up the new amount of {$3500.00} to be paid to BOA but instead of choosing my mortgage account I chose the BOA account just above it which is a closed credit card account. 
I discovered this error after 5 payment of # XXXX were sent to BOA from XXXX. 
I've called BOA about 20 times but keep getting told they have no account matching my Credit card number. 
I filed a dispute with XXXX but because I sent the payments they have forwarded to to their ACH dept whom have had this issue now 2 weeks and so far nothing. I have the dates, debit tracer # 's and Confirmation # 's for each of the 5- {$3500.00} payments but no one can find my money. 
( I have a mortgage and a car load with BOA and neither account haws been credited those payments ) Please help me recover my {$17000.00}?
Product: Credit reporting or other personal consumer reports

The company 's data breach compromised all information on my credit report and accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Request to remove all information from my credit reporting agency
Product: Mortgage

New Rez/Shell Point Mortgage incorrectly reported my mortgage as in forbearance to all relevant credit agencies. They are impacting my financial future because of this. 

I have asked them to remove it from the credit agency reporting and to provide me with a signed letter on their letterhead that states my mortgage was never in forbearance and was incorrectly reported as such. 

I have spent over 5 hours arguing with customs service reps and supervisors who tell me they have no access to email, put me on hold for countless amounts of time, send me to voicemail boxes that lead me to a dead end, explain to me what their system CAN NOT do. 

It is an abomination. I have paid my mortgage -- hundreds of thousands of dollars - on time every month for over 17 years. 

Best, XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2022 I received payments for work I was hired to do I receive a portion of my payments but Bank of America place a hold on my other fundsI tried to get it resolved with no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because Equifax mishandled my personal information including my Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. They confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
Equifax has put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They did not notify me of this breach. I heard about it on the news and then found out how to discover if I was an affected party by a post on social media.
Futhermore, Equifax is attempting to profit off of their negligence by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. When the trial periods end ( and the data that was breached is still vulnerable ), Equifax will charge money to " protect '' the information of the same people whose data they irresponsibly left vulnerable to attack.
These injured parties are also subject to hidden terms of service that waive their right to sue the company if they do avail themselves of the " trial period. '' There is also evidence of criminal negligence/fraudulent behavior with the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Prepaid card

They fail to block and refund a transaction of XXXX dollars from XXXX.
Product: Student loan

I have had a consolidated student loan since finishing   XXXX   school in  2006, th e consolidation happened shortly thereafter.     Since finishing school, I have not earned enough money to make the payments on my loan and was steered by the loan servicer , Navient, into  deferment and forbearance options that caused my debt to skyrocket when I was eligible for other options such as income based deferment.     Had I known all of the options available to me in this process, I could have prevented nearly {$30000.00} in compounding interest to be added to my student loans over this period.     I do not know how I am going to manage paying this off ... the most recent estimate of my monthly payment is {$1000.00} in order to discharge this debt in a timely fashion.
Product: Debt collection

I have been a customer of BEST BUY for years. They issue a credit card from CITI BANK. On or about of XX/XX/XXXX. of last year I had an unsatisfactory experience with BEST BUY and refused to pay the credit card. I was unable to reach BEST BUY. I began receiving ROBOCALLS from CITI BANK these were a not a very clever violation of the law. They would call and let the phone ring once and hang up. The idea was that I would then call them. I spoke to them twice trying to convey my complaint. The only interest they had was when was going to pay. The calls occurred once a day for 30days, then began happening twice a day. I sent several letters to both of them with no response. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX Brclysbank de apply Pulled my credit report I didnt apply for this
Product: Consumer Loan

I had a XXXX XXXX in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX running my credit TD Auto Finance XXXX XXXX XXXX XXXX XXXX MI XXXX also ran my credit without my consent.
Product: Student loan

My parents were co signers on some of my loans and they ended up in bankruptcy. Navient did not allow me to make any payments during this time, But Navient continued to accrue XXXX years of interest. 

I continue to pay more then what is owed but my balance keeps going up. 

My account says that I owe nothing for some months but when I click on the specific account I can see that there is an interest balance. This is deceptive, it makes you think that nothing is due that month but really you are accruing more interest. 

I went to XXXX XXXX a for profit school. I was never given information about my lender, never given information on my credit. Never told about monthly payments. 

I have called multiple times to see if my interest rates could be lowered but they have told me multiple times that it they are based off of what the government decides and there is nothing I can do to lower them. 

I was told that I am not able to consolidate in any way. 

My interest rates keep rising and it 's getting to a point where I can not afford to live. 

Whenever I call their customer service all they say is there is nothing they can do.
Product: Student loan

On XX/XX/2020, the CARES Act was signed into federal law indicating that borrowers with federally backed loans would have their payments suspended through XXXX XXXX, 2020 and the corresponding interest waived. As for borrowers in the Public Service Loan Forgiveness Program ( PSLF ), the law clearly states that each month of suspended payments would count towards the 120 required payments under this forgiveness program. 

My loans are handled by FedLoan Servicing ( FLS ) and I am enrolled in the PSLF program. As of today, XX/XX/2020, FLS has not updated the information on its website reflecting these changes implemented via federal law. In fact, FLSs website currently ( and erroneously ) states that suspended payments will not count towards the PSLF payoff. Ive also contacted FLS at least three times in an attempt to get guidance on  how to proceed since my loan payment due date is swiftly approaching. The customer service reps have either been completely unaware of any changes to be implemented under the CARES Act or have provided guidance that is clearly contradictory to the text of the new federal law. Other customer service reps have repeatedly recommended emergency forbearance which is different from suspension ; forbearance would disqualify skipped payments from being counted towards PSLF. 

FLS is purposefully misleading customers about options available during this time of financial instability, and also withholding important information that impacts the financial status of thousands of borrowers. FLS has also failed to provide borrowers with a clear timeline regarding implementation of the CARES Act.
Product: Credit card or prepaid card

I was denied XXXX XXXX for my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me something on XX/XX/23 that showed XXXX as deleted. Then they sent me something again on the same date showing it was updated! Both were sent to the wrong address when they have current mailing address on file! They were given opportunities to correct it but never did, so remove it or be sued, I now have black & white proof of the continued intentional errors to show to a judge! 

XXXX was deleted and I want it to remain that way! They were unable to correct the info and that's why they had no choice but to delete it. Now on the same date they add it back on?????? I want it removed as it was in the first mailing I received that had to be forwarded by the XXXX XXXX to THE CORRECT ADDRESS! 

The next issue is they keep coming up with addresses that are no longer valid! I want those removed permanently too so they stop sending mail to the wrong address. CFPB has an accurate address on file but for some reason they began sending it to the wrong address. The form is marked up, pay attention and delete those outdated invalid addresses.
Product: Mortgage

To Whom it may concern, I have my FHA mortgage with Lakeview/Loan Servicing LLC. Their website and phone message state they will get back to you within 3 days after requesting forbearance due to covid-19. That is a lie. I applied in the past 2 weeks and have heard nothing back. I am unemployed and my mortgage is due and can not pay. They may be in violation of the Cares act. This company has major trust issues. This is not first I or anyone has complained about them Please help! 



Thank you! 

XXXX
Product: Credit reporting or other personal consumer reports

Equifax has consistently ignored my requests for proof of verification of accounts they have listed as derogatory on my credit report. Below are reports that came back verified without Strict Proof Of Verification. 

Reported for Fraudulent Inquires on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These recent disputes and request are an example of the lack of concern for the accuracy of a Consumers Credit Reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hello, Amex called me during my work on Wednesday the XX/XX/2018 around XXXX Pacific Time from the following number : XXXX XXXX XXXX XXXX. They told me they were cancelling my card because I used it to send money to someone on XXXX. They were not very amicable and being at work I was kind of confused with the situation. I asked if we could talk about and explain the situation in order to understand what was happening better. This was to no avail. 

So I checked my XXXX transaction history after my shift. I never used my Amex to send money to a family member, I used my XXXX card. 
they said I used it to send money to my uncle using XXXX. 

With that information, I tried explaining that online in their chat service. They told me to call XXXX XXXX XXXX, spending more than an hour being bounced back and forth between different people, they told me to call XXXX XXXX XXXX. After another long wait, I am told to call XXXX XXXX XXXX! I finally reach the original caller 's voice mail. Leave a message explaining that I used my XXXX card to send money not Amex. 

Next day, Thursday the XX/XX/2018, having not received any reply from the original caller. I call customer service again, I am passed on to three different people. They repeat the same exact scripted nonsense without listening to what I have to say. Anyway, I am finally told that the original caller is out until the XXXX and it's too late they already decided to cancel my card. 

After some argumentation from me, I was quite aggravated but remained polite throughout the conversation. I am told to call her replacement at XXXX XXXX XXXX extension XXXX. Again, I leave a voice message explaining everything to her and asking her to please call me back. 

Today Friday the XX/XX/2018, having not received a callback from the above mentioned person, I try my luck on twitter. After wasting more time there, I am told that they can not do anything and I need to call someone else somewhere. 

This situation is very intriguing because as I recall I had around XXXX XXXX points that I was trying fo transfer to XXXX XXXX miles program so that I could buy a ticket for my mother. The synchronicity of this while situation is very odd and having read about Amex 's practice online I can understand why they would inflict financial damage, stress and anxiety upon in order to confiscate my reward points and benefits. 

I would be grateful to you if you could help in any way you can as soon as you can, Thanking you for your understanding, Kind regards,
Product: Credit card

Wells Fargo and Company has been denying 100s of unauthorized claims on my credit and debit card since XX/XX/year>. To this day I have not had any proof they spoke with XXXX XXXX. If you do the research the company has since been shut down due to fraud and Im blocked from trying to speak with them. I was sent a mediation letter, which I filled out and returned. After weeks I get a call saying mediation switched it back to the executive office saying it was denied?! Ive been fighting this since XX/XX/year> and will keep fighting until Wells Fargo resolves thiis.
Product: Credit reporting or other personal consumer reports

I had paid off the loan early in XX/XX/XXXX and was expecting to have my score updated because it significantly affecting my credit score and preventing me from getting approved for my student loan I need this semester urgently As soon as possible. 

i have filed more than 5 disputes to XXXX including documentation stating that the loan has been paid. I even call XXXX to do it a different way yet I still keep getting the same results saying the the company affirm reported the information is accurate when its clearly not. Especially when they website itself generated a certificate document stating that the loan has been paid completely! its reported false incorrect information! 

I need this fixed fast! 

I checked on XXXX and that balance isn't shown there only in XXXX so they need to properly recognize it and update it