23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 the collection agent for LVNV Funding, Resurgent Capital Services, XXXX stated : " You can contact XXXX XXXX XXXX, XXXX, the third-party servicer that is currently servicing your account XXXX. '' I took steps as suggested. XXXX does not respond to phone messages or emails. After I informed Resurgent that XXXX is unresponsive, Resurgent does not reply. I have even threatened court action - still no response. So, I have no way to address this " account '' that appears on my credit report in the amount of. {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, AND 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 15 U.S.C 6802 Any financial institution is forbidden from sharing my information with third parties.
Product: Debt collection

Hi, I sent a certified letter to on XX/XX/2016 : Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Plus all three CA 's over 30 days ago. Requesting VALIDATION OF DEBT and Assignment of Debt documentation. I have not receive a response and this account is still showing on my credit report. I supplied my ID, Social Security Card and Driver license.
Product: Credit card or prepaid card

I pay my balance in full every month for my XXXX XXXX XXXX store credit card. I have now had multiple issues with being charged late fees and interest when the balance is paid in full. Today when I tried to resolve the issue, they customer service representative hung up on me. After doing some research into these practices, it appears a lot of customers have similar issues. XXXX even stated that fees occurred after closing their account. Please stop this practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX ENTRIES FROM CONSUMER CREDIT REPORTS NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX FROM CONSUMER CREDIT REPORTS NOW
Product: Mortgage

My mortgage is being transferred from XXXX XXXX to RoundPoint Mortgage Servicing Corporation and I have not received notification or instruction from RoundPoint Mortgage Servicing Corporation. I am filing a complaint and requesting assistance because RoundPoint Mortgage Servicing Corporation the effective transfer date is XX/XX/2023. 

I am requesting that RoundPoint Mortgage Servicing Corporation provide notification and instruction concerning my mortgage transfer.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

On the statement on XXXX they charge me XXXX dollars of interest without buying nothing. I call Citibank and no help. I purchased a XXXX on XX/XX/2023. I paid {$600.00} in payment before the XX/XX/2023 so I wont get charge the interest and they still charging me interest. I called the company again and no help thats like stealing my money.
Product: Debt collection

I have contacted all 3 credit bureaus for the last 6 months regarding this account and a few others. I also disputed this account with the collection agency and they said they don't have record of this account. Both the credit bureaus and the collection have failed to legally verify this account. XXXX XXXX and XXXX have already removed from my credit report but EXPERIAN refuses to remove this inaccurate, unverified account. I am trying to buy a house and this is adversely affecting me. Please assist.
Product: Money transfer, virtual currency, or money service

I sent money to the XXXX using WORLD REMIT for a total amount of {$210.00} ( {$1.00} for service fee ). I sent the money on XX/XX/2021. I consistently called WORLD REMIT every single day since XX/XX/XXXX until today XX/XX/XXXX because they have still not transferred the funds to the receiver 's XXXX account which is a company in the XXXX. I also tried to request for cancellation but I got an email stating that they are having a technical issue. They also told me that there is a technical issue with their local partner in the XXXX. However, they are unable to further describe what technical issue they are experiencing. It has been 8 days since I sent the money. 

I tried sending money to the XXXX using a different money remittance company called XXXX and they were able to transfer the money REAL TIME. The receiver got the money through XXXX which is also a company in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have consistently contacted XXXX and XXXX via telephone and written letters regarding unauthorized reporting on my credit report without my written consent that has violated my protected consumer rights. I have also contacted XXXX and XXXX XXXX XXXX inform them of this violation as well with no resolution. Neither one of the listed establishments were able to validate the reported accounts that included my wet signed sealed signature to confirm a contract. Rather than removing the violating information from my credit report, XXXX and XXXX closed the accounts. Furthermore, this inaccurate and unauthorized information remains on my recent credit report. There was no permissible purpose for the reported accounts and these accounts should not be furnished on my consumer report as they are in violation under 15 US Code 1681b and 15 U.S. Code 1681c-2.
Product: Debt collection

The company has put a collection of debt on my credit report yet the original debtor has the account on my credit reprot as well.
Product: Debt collection

TransUnion XXXX XXXX XXXX XXXX, PA XXXX This company is reporting a inaccurate debt collection " XXXX XXXX located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiple certified letters to this company requesting a contract with my signature on it relating to this collection. They have been unsuccessful in supplying me with any original documentation of any sort and still the collection remains on my report as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company. This company does not have a contract with my signature. XXXX credit Bureau completed a reinvestigation that resulted in the collection being removed. I also sent the XXXX notification to the above company, No results.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that XXXX XXXX XXXX XXXX and or public records verified the account they are reporting is accurate.
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. On XX/XX/year>, while letting a stranger use my phone a Zelle was sent without my knowledge. After filing a dispute with the branch nothing was resolved. 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with no-affiliated third parties and consumer reporting agencies. I have appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 i notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for sharing of my nonpublic personal information with no affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX  XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws including GLBA, to protect the privacy and information security of consumers like me. 

Additionally, i would appreciate regular updates on the progress of this investigation and any actions taken to address the violation committed by XXXX  XXXX XXXX. 

XXXX XXXX
Product: Debt collection

Honestly Im not sure what this medical bill is for & why it would be this high..I have not had insurance in years & when I do go to the er its because I have no choice..Ive gone thru a divorce & mich worse than  that which I will not go into detail ... Im trying so hard to pay my bills & fix my credit being I cant even rent a place because of mostly medical bills effecting my credit
Product: Debt collection

XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Two problems with TD Bank. 

1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information. 

There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund. 

The closed account is XXXX XXXX XXXX XXXX. 

2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake. 

I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund. 

I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared. 

There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.
Product: Vehicle loan or lease

I had a car load with Westlake Financial Services. The loan was paid off but there were fees unpaid totaling {$350.00}. They sold this debt to XXXX XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I was contacted by XXXX to settle for 40 %. I made the payment on XX/XX/21 in the amount of {$140.00} which is what they asked for. I was informed they will notify the creditor and I will receive my title. I never received the title and then the car was stolen XXXX of this year. I reached out to Westlake Financial first and they said they were never notified of the debt being paid. I then reached out to XXXX  who said they sent all their records to XXXX. I then reached out to XXXX who told me XXXX still has records and can supply me with them. I have been calling for months and its just a circle of no one helping me and I still can't get my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual free credit report from XXXX XXXX, XXXX, and Experian credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Never gave this company permission to call my new number XXXX, and they are leaving constant messages. I had this same problem before with my other phone XXXX, they are continuing the Samething. This is beyond frustrating its already bad enough I was affected by covid late fees are being charged and the vehicle doesnt even work. Very upset by the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit monitoring on credit.com and they charged me for a free trial twice overdrafting my account they later refunded me but didnt pay my overdraft fee so I requested to cancel my account and they will not cancel it and Im fearful they will charge me again and also I didnt authorize them to link my debit card to a credit service that report my utility payments so they reported my payment and it decreased my credit score
Product: Credit reporting or other personal consumer reports

I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Accurate Information And Investigate Consumer Disputes In A Timely Manner.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Transunion is preventing from access my annual credit report online, as well as preventing access to my state security freeze option by preventing me from " registering '' to their site. As Transunion has now added site specific registration for all facets of their system, without the ability to register, I have been blocked from all Transunion online access.
Product: Payday loan, title loan, or personal loan

I borrowed {$200.00} from this company and they are taking XXXX a month from my ssdi and in order to pay this loan off I will have to give then XXXX a little more just to pay them off. Is this legal? I am so in over my head, can they charge like this in Michigan? Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries that were not made by me however I have not heard back from them  XXXX ,  XXXX  and TransUnion
Product: Mortgage

My lender increased my bill {$680.00} to begin XX/XX/2021. I was notified XX/XX/XXXX, I called and spoke with 6 agents who have yet to provide me an answer as to why. My escrow account payment has increased {$680.00} and I already pay the required $ XXXX  monthly payment to escrow. There has been no change to my insurance and I have a property tax exemption that I forward to my lender as proof. I have demanded answers and a call back and no one has returned my call. I can not afford a sudden monthly increase of {$680.00} due in 12 days.
Product: Credit reporting 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave authorization for this inquiries, and have attempted to get them removed multiple times to no answer, or forward progress XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX