23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I attempted to make a payment online to XXXX on XX/XX/XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XX/XX/XXXX, at XXXX XXXX when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XX/XX/XXXX and was advised that XXXX put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my recent Dispute with the Experian on XX/XX/2021 requesting proof showing that the account that is being reported on my credit report by XXXX is accurate. Which they have 15 days to do so I did not receive any document from Credit Bureau Experian showing how they had verified the reporting by the Creditor XXXX XXXX Experian have failed to adhere to guidelines put in place to protect accurate reporting at all times. I reported this to CFPB on XX/XX/2021 when Experian responded by sending result, they said verified with submitting what I requested.
Product: Debt collection

XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX BANK Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Mortgage

My loan was transferred to a different mortgage company in XXXX. I had just successfully completed a load modification with the last mortgage company before is was transferred. Both companies said the new modification would be honored. The new company told me to fax or mail them a signed company of the terms in which I faxed and they acknowledged receiving. They then said they could not honor it cause it wasnt the original. They are now making me go through the process all over and I sent them EVERYTHING they requested and now theyre saying they received the package but its missing pretty much everything I sent. They are giving me the run around to take my property
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into TransUnion a few months ago to get my report based on information they were reporting and to dispute some information. NOW they have been charging me for four months {$24.00}. I would NEVER agree to pay XXXX XXXX dollars a year to view a credit report that should be free. This is a complete conflict of interest these reporting agencies make you pay. This was very tricky of them to make these charges for 4 months FRAUD!! I am disputing with my CC too However it was not clear by viewing my credit report i would be charged monthly fee every month.
Product: Student loan

I have had trouble repaying my studebt loans for quite some time, mainly because I had attended college and graduate school with the promise to have a high paying career, and I have barely been making enough to cover standard Bill 's and living expenses. This has led to reaching out to Navient  several times for assistance on my best options. Each time I have been directed to defer and I really didn't know better on how it would affect my total loan amount based on interest. Now my loan total has been increasing from this, and I am no closer to finding a job to reflect the education level I am in so much debt from. I feel like I have been given false promise on how I will be able to eventually make payments on my loans, mis directed on best ways to chip at my loan while trying to stay afloat with my bills, and even when i was making consistent payments before my last position laid off their sales team, I didn't see a decrease in my loan total, I just felt like I was only paying interest. I feel like I'm drowning with Navient loans and don't see a future where I make enough money to be free of them.
Product: Mortgage

Wells Fargo Sold our Mortgage to XXXX when we were in default, Wells fargo never gave us a servicing transfer notice, we found out that our mortgage was sold when we began receiving letter from lawyer telling us our home was up for foreclosure, well fargo never tried to help us save our home, when we called wells fargo they said that we need to contact XXXX they no longer have our loan. this have been a five year process, where we have been trying modifications through lawyer, stopping sheriff sales, and they never event tolds us we can file bankruptcy or anything, not we received a writ of possession for our home from XXXX XXXX XXXX XXXX XXXX, but they are not the note holder no longer, XXXX XXXX XXXX Sold our home back to Wells Fargo XXXX/XXXX/2012, and I do n't know how when we had the sheriff sale postponed, I believe that my husband was under a predatory loan, he was only making XXXX, I talked to someone from Wells Fargo recently and they said our loan is in active foreclosure, but they are the XXXX, how can XXXX XXXX XXXX be requesting a writ of possession? and they are not the note holder, unbelievable, they did not give us a chance the mortgage company is not out here to help us Wells Fargo or XXXX XXXX XXXX, our mortgage have been shifted around, for profit on both sides, I have just been butting money out for nothing to lawyers trying to save the home and the lawyers already new we had no changce, I would of filed bankruptcy a long time ago before we got to the point of losing our home ... .we need help and answers, as of now we are still in the house, but do n't know how long we got can someone help us ... XXXX XXXX was a servicer of Wells Fargo , but they do not have the note to the home, how can they get a writ of possession? when they sold the house back to Wells Fargo.
Product: Mortgage

On XX/XX/XXXX I submitted an online refinance application to XXXX XXXX, Loan Officer, NMLS # XXXX, with Southern Star Capital, LLC, dba Reliance Mortgage. 
On XX/XX/XXXX I had a telephone conversation with XXXX XXXX at Reliance. He requested additional information, which I forwarded that day, and he told me he would have an answer by Monday, XX/XX/XXXX. 
I did not get a response so I called XXXX XXXX on XX/XX/XXXX, and left a message requesting a call back. I also emailed XXXX XXXX that same day requesting information. 
On XX/XX/XXXX I had still not received an answer so I sent another email to XXXX XXXX. 
To date, XX/XX/XXXX, I have still not received any response from anyone at Reliance Mortgage
Product: Student loan

I have so many with a lot of dates starting back from XX/XX/XXXX till XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loan has been taken over by Navient Department and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.
Product: Credit card

I have a series of complaint against Capital One selling me credit card protection insurance and not providing services. We have not arrived at a settlement. 
XXXX XXXX XXXX completed about 7 weeks of research in my case and piggy back on XXXX XXXX XXXX work that I was notified in my bill about steps to take to filed for insurance protection -- See their CFPB response letters and bills attached. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Per XXXX XXXX XXXX : " Additionally, you have concerns about not being informed of Payment Protection services on your account when you were unemployed. Please understand, we advise our customers on their monthly billing statements, when delinquent in their payments, that they may be eligible for benefits to be paid to their account per the terms of their Payment Protection agreement and include the contact information to investigate benefit availability. Our records indicate we advised you on your statements of this information, which are enclosed for your reference.. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT WILL BE INTERESTING HOW THIS PARAGRAPH WILL BE EXPLAINED IN COURT WHEN THE EVIDENCED IS INTRODUCED. CANT HAVE IT BOTH WAYS. 

Their own evidence indicated that their are providing false information. Please see their bills that they have attached as a response to a CFPB complaint. They made no mention of the insurance program. They just wanted to be aggressive in collecting due amount instead of notifying me that arrangement can be made through the insurance. 

Thus, again this is part of my proof that Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. Capital One made monetary restitution. The representatives were more interested in hounding for payment instead of applying the protection benefits. 

I am determined to exposed the fraud that was committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

My wife and I filed for Chapter XXXX bankruptcy on XX/XX/year>. It was dismissed on XX/XX/year>XXXX voluntarily, XXXX days later. All XXXX credit bureaus continue to post the bankruptcy on my report. They state they can report it for a total of 7 years. I wrote a good-will letter to each agency asking them to please remove this non-event to no avail. I never filed ever. I am not able to get approved for standard rate loans or insurance.
Product: Money transfer, virtual currency, or money service

I am trying to close my PayPal account. I have called PayPal numerous times and they refuse to close it. I am told that I have a " restriction '' on my account since I need to veryfy my address, but I have uploaded proof of my identification and address multiple times. The person on the phone acknowledges receipt of my proof, but then they always tell me they have to send the account deletion request to another department. Then nothing happens. I have spent many hours on multiple days speaking with PayPal, including today, but I get the same runaround every time. I have asked to speak with supervisors and PayPal either hands up on me or puts me on hold for an hour or more and no supervisor answers. I just want my account closed and deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - Account settled. According to IRS guidelines, a 1099-C reports it as income. I want the settlement status removed. TransUnion is also showing it as a late payment. 
XXXX XXXX XXXX # XXXX. Disputed the incorrect balance, TransUnion reporting incorrect balance as correct. 
XXXX XXXXXXXX XXXX # XXXX. Disputed account with TransUnion. Requested original documents to this account. Still reporting as correct. Requesting validation of account. Payment history. 
XXXX XXXXXXXX XXXX # XXXX. Disputed account with TransUnion. Requested original documents to verify account. Still reporting as correct. Requesting account validation. 
XXXX XXXXXXXX XXXX  # XXXX. Disputed account with TransUnion. Requested original documents to verify account. Still reporting as correct. Requesting account validation. 
XXXX XXXX XXXX. TransUnion reporting as late. Account is paid in full. 
XXXX # XXXX. The debt is reported as charged off, which makes it taxable and needs to be removed from the credit report. TransUnion is reporting it as updated correct info. 
XXXX # XXXX. Account charged off, per IRS it is taxable income. TransUnion reporting updated and correct. Want charge off removed. 
XXXX XXXX XXXX XXXX XXXX settled, which makes it taxable income. TransUnion reporting as updated and correct and as late payment. 
XXXX XXXX XXXX XXXX. Disputed balance. Balance paid off. TransUnion reporting updated, {$610.00} balance.Requested original documents. Request validation of account. Payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion reporting balance of {$820.00}. Requested original documents. Request validation of account. Payment history. 
XXXX XXXX XXXX - # XXXX. Requested original documents to account. Being charged for equipment, that I was not responsible for. TransUnion reports info as correct. Requesting validation of account. 
XXXX XXXX XXXX XXXX - Account paid in full. Reported as collection Want collection status removed. 
Requested unverified/unauthorized inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX Balance : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX with regards to a charged off account with XXXX XXXX  XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX was completely incompetent in conducting  thorough investigation. The inaccurate information given by XXXX XXXX XXXX is what XXXX updated without any further  inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my Transunion report, but unfortunately the account currently remains active on both Equifax and XXXX reports. A dispute was initiated with XXXX / Report # XXXX on XX/XX/XXXX and with Equifax requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX deleted the account from my credit report, XXXX and Equifax continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why XXXX and Equifax continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1692c '' refers to a section of the Fair Debt Collection Practices Act that outlines the rules regarding communication with consumers when collecting a debt, essentially stating that a debt collector can not contact you without your prior consent, and must stop collection activities if you dispute the debt until they verify its validity.

I expect you to stop all communication regarding the disputed debt & cease all accounts.

I am disputing the debt based on my rights under 15 USC 1692c.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX and someone has used my personal information to sucure credit cards and auto loans using my personal information. and also there are many fraudulant address on file that do not belong to me and XXXX is violating my rights by reporting these fraudulant address when i keep caaling them asking them to please remove the address but is refusing to do so! .there are also fruadulant accounts opened in my name due to XXXX XXXX. 
fraudulant address : XXXX ) XXXX XXXX XXXX XXXX XXXX  az XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX XXXX ) XXXX XXXX XXXX XXXX az XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX tx XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX az XXXX
Product: Student loan

My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous of 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 the transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglect to protect consumers, but also allowed 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.