23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXX ) days of the completion of your re investigation.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX  I contacted National Credit Systems to challenge a account they have on file for a balance XXXXXXXX This account comes from a company that I used to work for where i was given the opportunity to live on property at a discounted rate. This account is fraudulent and violates law 15 U.S.C 1681. On XX/XX/XXXXXXXX XXXX XXXX  my employment was terminated and i was told I had 7 days to vacate the premises. Once my employment lease was terminated management never sent me a new lease to sign a contract stating that I would pay them the full amount rent. I never received any eviction notices about this issue or anything. The lease that was provided to me by the XXXX XXXX XXXX XXXX XXXXXXXX was never signed nor did it have the a signed copy from both parties of the Management Associate Addemdum to the lease Agreement. I have forwarded all the documents to this account showing that it is fraudulent. I never signed a new contract guaranteeing that I would the Management company after i was terminated. The company has only sent me a copy of the move out statement as a validation for debt and did not include a copy of the lease agreement. The move out statement is invalid and is loaded with extra charges and fees. I would like this situation investigated immediately and i would like for this account to be deleted. This account is hindering from gaining better employment and housing. I was just denied a higher paying job because of this false information thats being published for the public. I have enclosed all my documents to National Credit Systems and i would ask if your department assist me so i can have this fraudulent account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX XXXX gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX XXXX engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for 12 paymwnts of {$2000.00} each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.
Product: Credit reporting or other personal consumer reports

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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 consumers safety.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXXXXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX Credit Reporting Practices Details of the Complaint : I am writing to formally lodge a complaint against XXXX, and Equifax regarding what I believe to be inaccurate and unfair treatment of my credit score, despite maintaining excellent financial habits. 

Specifically : My credit utilization is consistently low and well within recommended limits. 
I have no recent hard inquiries on my credit report. 
My payment history is 100 % positive, with all accounts paid on time. 
Despite these positive factors, my credit score with Equifax and XXXX remains inexplicably low, significantly lower than scores provided by other credit reporting agencies. I have thoroughly reviewed my XXXX credit report and found no errors that would justify this discrepancy. 

I suspect that XXXX and Equifax may be purposely suppressing my credit score for reasons unknown to me, potentially violating my rights under the Fair Credit Reporting Act ( FCRA ). This issue negatively impacts my financial standing and ability to access credit on favorable terms. 

Resolution Sought : I respectfully request the following actions : A thorough review and correction of my XXXX credit report to ensure it accurately reflects my creditworthiness. 
A detailed explanation as to why my score is significantly lower compared to other credit bureaus, despite my strong financial profile. 
Immediate steps to ensure compliance with federal laws governing fair and accurate credit reporting. 
I appreciate your attention to this matter and look forward to a resolution that restores my confidence in XXXX credit reporting practices. 

XXXX XXXX : XXXX XXXX XXXX XXXX Thank you CFPB for your assistance In this matter.
Product: Debt collection

I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Date of birth : XX/XX/1990 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove 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

Had an error on my Transunion and XXXX reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX has since been removed from XXXX   but XXXX XXXX XXXX remains ) this account was paid in FULL, however Transunion verified it all 4 times I disputed it as did XXXX, so I show Transunion AND XXXX my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.
Product: Money transfer, virtual currency, or money service

I was provided a false invoice submitted via PayPal on XX/XX/XXXX purporting to be the XXXX XXXX XXXX. I have tried to contact PayPal, but they have no customer facing automated security features available. Customers can not submit fraud claims nor notification management of fraud events outside of a phone call during normal business hours ( Pacific standard time ). 

Management at PayPal has failed to enact sufficiently robust cybersecurity practices. Management has hindered customer submission of fraud events. The board has displayed insufficient oversight over cybersecurity processes. PayPal audit has not conducted sufficiently rigorous audits and assessments around customer fraud event submission. These are unsafe or unsound practices.
Product: Credit reporting or other personal consumer reports

account number to be removed - XXXX I am filing a formal complaint against XXXX XXXX XXXX for their continued reporting of negative information on my credit file related to an account that has been sold and settled to portfolio recov assoc. These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting your intervention to resolve this issue. 

XXXX XXXX 's actions violate the following laws : Fair Credit Reporting Act ( FCRA ) : Section 623 ( a ) ( 1 ) ( A ) : Furnishers of information must report accurate information. By continuing to report a debt that was settled and is no longer their account, XXXX XXXX is providing inaccurate and outdated information. 
Section 623 ( a ) ( 2 ) : Furnishers must update and correct information that is incomplete or inaccurate. XXXX XXXX has failed to update the status of the account or remove it from my credit report after the debt was settled. 
Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : Section 807 ( 2 ) ( A ) : Prohibits false representation of the legal status of a debt. If XXXX XXXX is representing that the debt is unpaid or outstanding, they are in violation of this section. 
Financial Penalties for Non-Compliance Under the FCRA, violations can result in statutory damages of up to {$1000.00} per violation. Willful violations may also lead to punitive damages and attorney 's fees. 
Under the FDCPA, violations may result in penalties up to {$1000.00} per consumer, in addition to damages caused by their actions. 
Impact on Me XXXX XXXX 's actions have directly harmed my creditworthiness, lowered my credit score, and caused me emotional distress. These inaccuracies have made it more difficult for me to obtain credit, resulting in financial and personal hardship.
Product: Debt collection

I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was then sent a 50 page account of text and incoming/outgoing phone calls Made on the account. It said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor Included, no application For the account bearing my signature Included, no copy of the agreement between the original creditor authorizing convergent outsourcing to collect on XXXX behalf Included. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No proof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on Experian and XXXX. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.
Product: Debt collection

I am writing regarding the attempt to collect a debt that I do not owe. Despite my repeated requests for verification of this debt, I have not received any satisfactory response or proof of its validity from none of the parties involved Comenity Bank, XXXX XXXX XXXX nor XXXX XXXX XXXX. Previously, I had a credit card with Catherines through Comenity Bank. I purchased XXXX identical pant suits in different colors. Due to a delay in delivery, I received XXXX suit initially. Upon inspection, I found it unsatisfactory and returned it. When the second suit arrived, I immediately returned it to the sender. Throughout the return process, I was in regular contact with Comenity Bank regarding my payments. As both items were returned, I did not owe a balance. I request that you cease all collection attempts and remove any incorrect information from my credit report related to this matter.
Product: Debt collection

I am disputing this amount because I have no knowledge of this debt. They removed it from my XXXX, but will not remove it from XXXX.
Product: Mortgage

My home mortgage was recently purchased by the company Loan Care. 

I was notified of the switch via paper mail, and was told to go online help facilitate the transfer of the account. I follow the directions perfectly but their website refused to recognized my account number, after more than a dozen phone calls and hours on hold I finally spoke with a representative that claimed my loan was too new to be in their system? I received a new loan number but that has failed to work as well. 

Due to this I can not access any information on my account, nor can I see monthly statements. I have contacted them via phone, email, and even 'snail mail ' and STILL don't have access to my account, financial details, or apparently even the correct loan number. Apparently I'm not the only person to have this problem as I have seen numerous complaints online. The only reason I'm able to tell that I'm still making payments is that money is continually drafted from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with SHELLPOINT MORTGAGE SVC. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Product: Credit card or prepaid card

I applied for a credit card with capitalone at https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ SavorOne Rewards from Capital One Unlimited Rewards Earn unlimited 3 % cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1 % on all other purchases. 

New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$1000.00} on purchases within the first 3 months from account opening Low Intro APR 0 % intro APR for 15 months on purchases and balance transfers ; 19.74 % - 29.74 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months Annual Fee {$0.00} i was approved. 

I received an email with general apprval information and link to create an online account. Upon downloading paperwork i noticed that i was receiving A DIFFERENT CARD- the savor ( not savorone ) with a XXXX dollar annual fee i called the number on the website linked XXXX. They said there is nothing they can do. They told me to call new accounts at XXXX same response and different number provided to try for the applications department - XXXX i was told that if i wanted to get the card that i applied for, i would have to close the account i was approved for and re-apply but probably wouldn't get approved since it was so close in time to the prior approval. They told me that i would be getting a XXXX dollar charge as soon as i activated the card. 

so, my credit score was hit bc i chose to apply for a specific card. They approved me for " a better '' card because my credit score qualified me for the best in the savor line. This was automatic, they said. I applied for a no annual fee card, they signed me up on an XXXX dollar annual fee card. 

i have a screenshot, in case they change the landing page at the website address.
Product: Mortgage

On XX/XX/2019 I filled out an online application to refinance my home. The company is Credible. Minutes after completing my application I received a text to my cell phone. The text said, " 'thank you for submitting a application ', 'please set up appointment with a Loan Officer ' and " if you would like to lock your rate prior to your call-text " Rate ''. I responded with the text " Rate '' to lock my rate prior to a phone call with Loan Officer and this is my complaint.

After I responded Rate, I log onto and set up a account on the Credible website. I uploaded all the requested documents ; W-2, check stubs, 1040 forms, bank statements, etc. I completed all they requested. During this time, Credible forwarded to me their documents for my signature, listing the rate at 3.25 % ( the agreed rate ), along with amount financed, new payment amount, etc. I signed all their documents and returned on website. Meanwhile, the Loan Officer scheduled an appointment, but was missed by loan officer. I then scheduled a second appointment where we both attended on phone. At this meeting the Loan Officer informed me that my Rate was not yet locked and the current rates were higher and the costs were more money. I said, " no, the rate is 3.25 % and I responded to the text I received asking for my response indicating " Rate. '' I also took a snap shot of their text to me and my response. Still, he said no. I asked for his manager and explained story. She said sorry, we can not honor that rate. However, she asked her boss and his response was also NO. I further explained that this was " your company text to me asking to lock rate with a response prior to speaking with any loan officer! '' This is unfair business and manipulating the rate in order to collect more money for processing.

The loan officer name is XXXX XXXX and his license # XXXX. His email is : XXXX XXXX XXXX. 
His bosses name is : XXXX XXXX and she has no license. I do not get the name of her boss. 

Thank you, XXXX XXXX XXXX email : XXXX XXXX