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

Ive had a charge off with XXXX Bank credit card thats been on my credit report since XXXX. Problem is, not  only do I not know how this account got on my report, but neither does Applied! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes XXXX   keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me XXXX and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the XXXX reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and XXXX   continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the 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 unfeasible. The CFPB 's 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 consumer safety.
Product: Checking or savings account

I requested the IP addresses signed into my account since opening up they refuse to provide them stating its for security. Its my account. Im talking them them from my phone so Im curious as to why I can not see the past devices signed into my account. And why they refuse to give me that information due to discrepancies I had with XXXX XXXX  and XXXX XXXX current discrepancies I would appreciate a listing of the devices signed into my account
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX announced a significant data breach, compromising sensitive personal information of millions of XXXX consumers, including names, addresses, Social Security numbers, birthdates, and in some cases, drivers license numbers. As a result, my personal data may have been exposed to unauthorized parties. 

I would like to request that you review my credit report for any suspicious activity or accounts opened in my name due to the breach. I also request that any inaccurate information related to this incident be corrected, including fraudulent accounts, inquiries, or incorrect balances. Additionally, I am requesting that you provide a free copy of my updated credit report after the investigation. 

Please confirm that you have received this request and provide me with an estimated timeline for the resolution of my dispute. If any fraudulent activity is detected, I also request that you place a fraud alert on my file to prevent further damage. 

Thank you for your prompt attention to this matter. If you need any additional information or documentation from me, please do not hesitate to contact me at XXXX ands experians data breach
Product: Debt collection

In consequence of your company 's acquisition of debt from XXXX, conducted without my explicit consent, and subsequent actions comprising the procurement, examination, and dissemination of said alleged debt on my consumer report spanning from XX/XX/year>, through XX/XX/year>, I wish to proffer a settlement offer. 
I express gratitude for the removal of the aforementioned said alleged debt from my consumers report, initially reported from XX/XX/year>, through XX/XX/year>, as evidenced in the attached Exhibit A, Exhibits A-1, Exhibit C, and Exhibits C-1. In light of these events, I am writing to extend a settlement offer concerning the multitude of infractions against the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and instances of identity theft precipitated by your unauthorized procurement and dissemination of an alleged debt to credit agencies, lacking my explicit consent ( see Exhibit A, Exhibits A-1, Exhibit C, and Exhibits C-1 ). 

( SEE ATTACHED DOCUMENTATION )
Product: Mortgage

I recently refinanced my mortgage and was assigned to LoanCare. I was shocked to find out that they charge you a penalty to pay online if you do not pay your mortgage within the first 4 days of the month. A traditional late penalty applies after the XX/XX/XXXX, but if you pay your payment online between the XX/XX/XXXX-XX/XX/XXXX it is  {$5.00} and if you pay it the XX/XX/XXXX-XX/XX/XXXX it is {$10.00} and if you pay it after the XX/XX/XXXX if is {$10.00} on top of the late fee. The bill is still on time any time between XXXX of the month. If my bill is on time, why and I being penalized? It does not seem legal to charge a penalty for simply paying online. This is an unfair and deceptive practice, especially when I have no control over my mortgage company ( which is an entirely different issue ). Homes are ( for the majority of people ) the largest purchase and largest bill and it is crazy that you not have any control over who services your loan. 

When I was first assigned LoanCare I went online and was surprised to see they have one star reviews on any type of review platform. I've yet to have some of the issues others have complained about, but as a consumer I should have more choice as to who services my loan and should certainly not be penalized for paying a bill online.
Product: Mortgage

I have a XXXX  with BMO. I did not realize that my unpaid balance was {$0.00} in XXXX 2023 and made a $ XXXX payment. When I realized this, I went to the bank but was told that they could not resolve the issue and that I have to call the mortgage department. I called the number given to me and was told that the excess payment was sent to XXXX. I called the XXXX  department and was told that they have mailed a refund. I recently changed residence but have provided the bank my new address. The post office is also aware of my move and forwards all mail. The XXXX company claimed that my address was not changed and that the refund was sent to my old address and to call at the end of XXXX 2023. I called at the end of XXXX 2023 and was told that a new refund will be mailed to my new address. As of date, no refund has been received and I am not receiving any interest on this money. I believe the bank is intentionally making excuses to hold on to money without providing interest.
Product: Debt collection

CONTACTED ME THIS MORNING BY TELEPHONE. 

I have previously requested the FULL AGREEMENT INCLUDING APPLICATION OR ORIGINAL AGREEMENT WITH SIGNATURE from NATIONAL CREDIT SYSTEMS which has NOT BEEN PROVIDED. 

I have NO CONTRACT with XXXX XXXX XXXX. 

I DEMAND THIS REPORTING ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CONSUMER REPORT.
Product: Vehicle loan or lease

I have auto pay scheduled beginning in XXXX. XXXX I get a note stating payment was due and the auto pay was not scheduled. I believe this is an attempt by CPS to extract late payments from consumers. They could not provide me with proof as to why the auto pays were removed. I have proof they were scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
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Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
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Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
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The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
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The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
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Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
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This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than XXXX business days. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EMPLOYEE Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently applied for a mortgage with Bank of America ( XXXX XXXX, 2016 ) and was given a conditional approval. I satisfied all the conditions and proceeded down the mortgage pathway. I was then informed 10 days out from closing that the mortgage was now declined because BofA changed some of their numbers. I pointed out that the new numbers they were using were incorrect to no avail. BofA of course was able to ' '' find '' a path to an approval that would cost more money. As I was 10 days from closing and had ended negotiations with other brokers I agreed to the changes in hopes of closing the purchase of my home. Problems continued to arise over the next 10 days. I was finally informed that i would not be getting a mortgage with BofA on my scheduled closing day. All along in this process XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ) assured me they would be able to get this mortgage done. That they were able to get this type of exception all the time. They were clearly doing the bait and switch by getting me in with a teaser low rate only to pull the rug out late in the process. My realtor warned me about using BofA and I should have listened. Several other mortgage brokers have since informed me that this is typical practice for BofA. Please investigate them and protect other consumers. I am also incurring significant costs as a result. I will need to pay more fees to another broker for documents/credit reports/appraisal etc. I also will need to pay additional money to the home seller in order to extend my purchase contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands. 

I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XX/XX/22
Product: Debt collection

Good morning, On XX/XX/XXXX I received a letter from Transworld Systems , Inc. stating the creditor-XXXX   XXXX XXXX XXXX XX/XX/XXXXXXXX had placed an amount of {$23000.00} for collection and requesting this amount in full. On XX/XX/XXXX the debt for the amount previously mentioned was added to my credit report. On XX/XX/XXXX, I sent a debt validation letter mailed certified asking for proof of the alleged debt. On XX/XX/XXXX I received a response from Transworld Systems , Inc. regarding an account payment history with their office. Transworld Systems also supplied documents of a Loan Request/Credit Agreement with the Lender -- XXXX XXXX XXXX, a note disclosure statement with Lender XXXX XXXX XXXX, and a Loan Payment History Report. None of the supplied documents sent by Transworld Systems , Inc provided proof that XXXX XXXX XXXX XXXX owned the loan from the Lender. On XX/XX/XXXX, XXXX XXXX, XXXX I contacted XXXX XXXX for legal advice by XXXX XXXX XXXX and supplied the Attorney documents of the information sent to me. The Attorney sent a letter on my behalf also requesting for validation. On XX/XX/XXXX I received a letter from from XXXX XXXX XXXX that a letter to Transworld Systems , Inc. has been sent on my behalf requesting for validation and proof of loan ownership. On XX/XX/XXXX. XXXX XXXX XXXX by XXXX XXXX XXXX sent me the response from Transworld Systems , Inc. providing them with the same exact documents sent to me  on XX/XX/XXXX. Again, this does not show proof of ownership of this debt/loan. Documents will be uploaded for review. Thank you.
Product: Debt collection

This company has failed to provide the proper validation of this account per the FDCPA. Also this company has failed to show that they are able to legally collect debts in my state. I have requested the said information from this company and they have failed to comply. This is my final attempt to handle this company independently.
Product: Mortgage

I paid off my home 28 days ago and still have not received the balance of my escrow fund from PHH Mortgage
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX/XXXX  ( XX/XX/2022 )
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX $ was sent to XXXX XXXX as a transaction for a promised product. The amount was received by the buyer and then I was blocked. I contacted cashapp, asked for a refund, no action was taken, and I could not even speak with customer service. I never received a refund.
Product: Bank account or service

I had a company make a withdrawal from my checking account and they had already been paid from another one of my hunington bank accounts called in to stop the process but was told I was to late and that I need to file a dispute I did I submitted all the documents contacted the company they agreed that the was and error on their behalf agreed to return the funds minus the over draft fees and my dispute included a all overdraft fees associated with this transaction I was lied to by hunington every rep I spoke to told a different story I just want my money back from XXXX XXXX XXXX transaction in the amount of XXXX plust all fees
Product: Credit card

Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX CT MO XX/XX/XXXXXXXX Account Info Reference Number XXXX Court Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I have noticed several accounts opened that don't belong to me. I haven't applied for theses accounts. There are variation of my name and address that I've never lived at on my report. 
XXXX XXXX XXXX Reference Number XXXX Dept Of Ed/XXXX   DEPT OF ED/XXXX  Consumer XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Debt collection

I have been recieving phone calls for months, they will call twice in the morning and twice in the evening all week long. This is interrupting my life while on other important call, at work, praying, family time. This is completely disrespectful and against the law. I am exercising my rights as Credit Acceptance Corporation has violated my right under 15 usc 1692c subsection ( 1 ) and ( 3 ) I never gave Credit Acceptance Corporation any prior consent to communicate to me. Credit Acceptance Corporation had also violated 15 usc 1692d subsection ( 1 ) by threat of use of other criminal means to harm property of any person. Subsection ( 2 ) The use of obscene language. Subsection ( 5 ) Causing a telephone to ring. XXXX1 was the last day I notified they to not contact me while on the phone I had to let them know it's a violation under 15 usc 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.