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

I SENT THIS THIRD-PARTY COLLECTION AGENCY BELOW THREE CERTIFIED LETTERS AND I ALSO SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUERAS ASKING THEM TO VERIFY THIS DEBT THEY SAID I OWE BUT I HAVE NOT GOTTEN THE CORRECT INFORMATION VERIFYING THE DEBT BACK FROM NEITHER ONE OF THEM, SO THIS COLLECTION DEBT SHOULD HAVE BEEN DELETED OFF ALL THREE OF MY CREDIT REPORTS, HERE 'S THE LAST LETTER I SENT 3 MONTHS AGO ALONG WITH THE ACCOUNT NAME AND ACCOUNT NUMBER BELOW. 

XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing this letter in regard to the account : XXXX XXXX XXXX referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For obvious reasons.

I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item, please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

my babys mother open some cards with the babies social security number & I want it stopped. I don't know how many or to what extent, id like to find out & freeze their credit
Product: Credit card or prepaid card

I filed unemployment like many Americans right now and within two days I got an email stating my Way2go card was on its way. That was XX/XX/2020. Today is the XXXX of XXXX and I have yet to see a card. I have called almost everyday this past week only to be on hold for hours at a time or getting hung up on completely. I have never talked to a person. I am also hearing from friends who have gotten through that they are charging {$15.00} for expedited shipping! We have waited weeks for money we desperately need and they are taking advantage. Who knows if an original card was ever sent. Nothing takes weeks to mail in the US. But we are at their mercy to spend hours and days on the phone then pay to get what we should have gotten two weeks ago. Something is seriously wrong here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents. I have been trying to get Transunion to do a real investigation since XX/XX/. Please help me get results.
Product: Debt collection

I received a voicemail on XX/XX/XXXX in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from XXXX  XXXX XXXX. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. XXXX XXXX XXXX  is supposedly located in XXXX, XXXX, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX XXXX XXXX   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/XXXX I received a voicemail from XXXX in XXXX, XXXX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.
Product: Mortgage

I fell behind with my mortgage payments in XX/XX/XXXX because my income dropped 20 % and my expenses have increased- I have XXXX children that are attending college - I am trying to do my best to provide them the best education for their future- In XX/XX/XXXX I applied for loan modification however I was approved for trial. the trial agreement was not reasonable and unfair to my family - I was approved for XXXX & XXXX trial for {$2600.00} and XXXX trial was for {$44000.00} -I did n't accept the offer because we do n't have that kind of money - we are asking for help- I filed a complaint with attorney General against Wells Fargo- They notified the attorney general they would review the file once again to resubmit the financials. I resubmitted the financials but this time I hired an attorneyon XXXX I reapplied - I was denied because they do not have the contractual authority to modify your loan because of limitations in our servicing agreement for HAMP and HAMP Tier XXXX the investor is XXXX XXXX there was no mention about the standard modification - I am asking for your help because I strongly feel I am being treated unfairly by both Wells Fargo and XXXX XXXX I do n't want to lose my home and I am trying to find a solution to keep my house unfortunately Wells Fargo and XXXX do n't care
Product: Mortgage

( 1 ) Morgan Stanley Private Bank assumed loan servicing responsibility on XX/XX/2019. The prior loan servicing provider was XXXX. 
( 2 ) Prior to Morgan Stanley Private Bank assuming servicing responsibility, they sent letters to us that contained erroneous information about the outstanding principal. I contacted them prior to the notice date and the issue was resolved. 
( 3 ) I make additional principal payments with every monthly mortgage payment. 
( 4 ) Beginning XX/XX/XXXX, and through XX/XX/2019 Morgan Stanley Private Bank has misapplied BOTH of my payments. The misapplication error results in Morgan Stanley Private Bank receiving additional interest on my mortgage, and overstates my outstanding balance. Simply stated, Morgan Stanley Private Bank take money designed to be additional principal and pays a future month mortgage payment first, then applies additional principal. 
( 5 ) If I had not detected Morgan Stanley Private Banks erroneous practice, the estimated additional interest they would have collected from me would have been about {$4000.00} for the first twelve months. 
( 6 ) Morgan Stanley Private Banks customer service blames me for their errors because I did not use their ACH system offered on their website. However, when I attempted to sign up for the ACH, I was rejected for a technicality between my bank and the website. In other words, I tried. Nevertheless, they blame their sloppy bookkeeping on me be cause I do not keep books for them. It is unacceptable. 
( 7 ) Morgan Stanley Private Bank opened up a ticket on XX/XX/2019 to correct the misapplied XX/XX/2019 mortgage payment and instructed me it would take three business days to correct. 
( 8 ) On XX/XX/2019, three business days after my XX/XX/2019 ticket, the correction had not been made. I was then instructed it would take until XX/XX/2019.

( 9 ) Morgan Stanley customer service department is not competent, and are clearly instructed to avoid the fact they are not keeping accurate records. In addition, their promises are not followed through. 
( 10 ) I am a XXXX and pay close attention to my amortization schedule. I recognize that many people may not be as financially astute as me, and I am filing this complaint to alert customers of Morgan Stanley Private Bank of possible immoral or incompetent business practices that a non-financially astute person may not detect. 

I am very concerned about the poor quality of service, beginning prior to XX/XX/2019 and subsequent accounting errors.
Product: Checking or savings account

I opened a new account on XX/XX/XXXX, but I wasn't able to use the online banking or their app. It says I need to call customer service to verify my identity, and I did - the wait time was long and kept dropping my call. 

So I went to a branch to verify myself, the employee tried to call their support, but it says the online option I have is waiting, and it'll take about 2-3 days. 

So I went home and wait for about a week, I called them again, they said I need to wait and never fix my account. 

As of now, it's just showing my online access is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : XX/XX/2018 XXXX to XXXX XXXX. Tried to place a report freeze on line and received message that I have to mail specific items. I then created an account and Logged in, then called three different customer service ( sic. ) numbers which clearly connected to the same malfunctioning automated attendant which interrupted instructions with, " Sorry, I didn't get that '' at least three times, then finally asked for my S.S. number and once my SS and zip. I entered that and immediately received, " sorry ; we can not process your request via the phone. go to experian.com '' for assistance. I then attempted to call their U.S headquarters in both CA and IL. to alert them their automated attendant was malfunctioning. CA phone simply rang busy. IL location requested S.S. number and Zip, then offered two option : Fraud assistance or order cr. report. Again informed me they could not : '' get that '' when I attempted to respond to the auto attendant and hung up. They clearly won't talk with consumers and should be put out of business since I never gave them permission to keep track of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously paid my XXXX  account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX  Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX  who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and Crown Asset Management. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX Bank lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also  update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX  and Bank and Crown Asset Mgmt through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.
Product: Student loan

There were two times when I was unemployed. I called them to let them know and they pushed me into forbearance. It wasn't until recently that I found out I could have done the income based repayment, this went on for a total of 3 years or so. I tried calling them recently and they refuse to help. They allege that they do not have records of mine prior to XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.
Product: Mortgage

Hi, I have received a approval on my short sale, after a year, there was a question on a line item on the Hud, on XX/XX/2017 i emailed the response and explained why the number was on the hud, the second lien holder did not no the loan was haffa approved, so knowing that they are asking for XXXX, I have a date given by SPS of XX/XX/XXXX to close, i was told 5to 7 days to get a answer, it is now XX/XX/XXXX, that was my first complaint, which brings me to this complaint, when i called on XX/XX/XXXX t, and spoke to XXXX he told me because I have sent a complaint to CFBP, that they have to answer that complaint it priority and they have 15 days to do so, i asked what happen to the 5 to 7 days after i sent the answer about the hud, that has been under review for 10 day already? he just kept repeating that the CFPB comes first and that is there priority to answer them, and the review dept i guess stops working, while the Ombusman Dept. answers the complaint. I was also told that in XXXX the {$12000.00} that could of been offered was cut in 1/2???? 
all I want to do is close on the property and all i need is confirmation, that they will pay the {$12000.00} to the 2nd lien holder.
Product: Student loan

My student loans date back to before 1989. I deferred payment when I had XXXX children and couldnt make enough money to live and pay student loans. I am XXXX XXXX XXXX and have been repaying the loans for almost 35 years. I have paid back MUCH more than I borrowed and imagine at this point, I have been paying more than $ XXXX for years and have repaid at least twice, maybe three times the amount I borrowed. The service provider has indicated that I STILL owe more than {$22000.00}. The interest I have paid on these loans has been greater than the amount I borrowed and this is grossly unfair. I have repaid the amount I borrowed decades ago. Whatever the amount left, it should be forgiven and determined to be paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.
Product: Credit reporting or other personal consumer reports

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted TransUnion, and they assured me that these would be removed from my report, yet theyre still there. This situation is causing me a lot of stress and frustration, and I need it resolved as soon as possible.
Product: Money transfer, virtual currency, or money service

Zelle did not have a clear way to make sure monies sent were going to the right account. It is nearly impossible to reverse a transfer once sent.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
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. I sent a letter to the 3 credit bureaus 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 they 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 XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX  XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Freedom Mortgage Company currently owes me {$9100.00} in credits due to their mistakes. They have legally accepted this debt but is now stalling to make payments. I offered to deduct from my monthly mortgage and they in return ( XXXX id # XXXX & XXXX id # XXXX XXXX threatened with taking my home and adversely affecting my credit. As I have stated to FMC & CFPB, this relationship is beyond salvageable due to their multiple errors. Its threats like this that continue to take this relationship even lower despite me trying to work with them to find an mutually amicable solution. They are now angry with me as attributed to Ms XXXX who yelled at me then hung up. 

My ask is not so much for them to correct but to pay the due amount. My XXXX ask is how CFPB will hold them accountable? This is imperative. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXXXXXX XXXX Paid in full & confirmed ) {$3600.00} XXXX  XXXX XXXX  XXXX XXXX Never Late ) {$0.00} XXXX XXXX XXXX Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX XXXX Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation