23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation '' of his state which is examining his compliance with the " Financial Responsibility Act '' and that he could lose his driver 's license unless he pays up.
Product: Mortgage

I Had emailed XXXX XXXX tax bill to Mr Cooper way back in XXXX, XXXX, 2024 on XXXX, and not received any response for XXXX  months that XXXX XXXX tax bill was paid. To my frustration I received the defaulted tax bill / delinquent account from XXXX XXXX in XXXX XXXX and contacted Mr Cooper for the reason why the tax was not paid. 

I contacted Mr Cooper on XX/XX/XXXX for a Refund on my Property taxes, which they did not pay to XXXX XXXX and I had to pay the {$6200.00} XXXX XXXX directly with a Penalty of {$190.00} as I did not want a penalty and delinquent account. I was then told that they would refund me the {$6200.00} via a check in XXXX to XXXX business days, which I did not receive yet. ( My Account still shows that Mr Cooper has paid XXXX XXXX taxes - Untrue, they never paid it ). I was also being charged {$770.00} each month by their escrow account for this tax as part of my mortgage. For a tax bill they never paid. 

I called them again on XX/XX/XXXX and they said that they have mailed a check of {$3900.00} towards the refund and not the agreed {$6200.00} which I paid. I asked why. They said that the balance has gone back to the XXXX account- Did not make sense. What happens to the {$6300.00} I paid directly to XXXX XXXX alongwith penalty for their delay, Their answer- We will conduct another analisys and determine what next. 

I am frustrated, that I am paying double the payments - to XXXX XXXX and the Mortgage company. I have all the payment receipts and details, which I can share on request. 

Pls help!
Product: Credit reporting or other personal consumer reports

I was told that my credit file was merged with a man born on the same date and same first name as me. His child support information and XXXX XXXX information along with his address information is on my file. I need to make sure that this isn't causing garnishment from my income taxes. I have no children. There are several address information on my file and it has been causing issues, his mail has been coming to my resident. I need to know if I need an attorney.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XX/XX/XXXXletter by mail and XX/XX/XXXX never validated debt and failed to respond to request submitted. I have been trying to call Experian no answer I submitted dispute with pictures to show proof and Experian will not remove debt or provide prof of debt or answer XXXX number and failed to give email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX clearly states they ordered EQUIFAX to REMOVE all comments INCLUDING " CONSUMER DISPUTES AFTER RESOLUTION '' and EQUIFAX has not adhered nor respected this. Surprisingly XXXX and XXXX have both already made the correct updates, but Equifax has not executed these changes. I demand Equifax take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK XXXX XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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. 


( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 reporting, credit repair services, or other personal consumer reports

Capital one have a charge off on my report for {$2500.00} XXXX XXXX XXXX  have Charge off on my credit report for {$930.00} and {$950.00}. i send in a ftc report the remove the XXXX XXXX  charge off and add it bad. I have no knowledge of these accounts listed on this report. i was a victum of idenity theft
Product: Credit reporting or other personal consumer reports

Disputed a closed XXXX account with transunion, experian and XXXX just to be responded to by this debt is valid according to the creditor and cases being closed with no chance of being able to request proof of debt owed even from XXXX themselves upon paying debt in full off XXXX website they kept pushing me off to different debt collectors who would send me back to XXXX and I resorted to the credit reporting agencies providing them confirmation numbers of me paying the debt reflect on my report in full from XXXX with account number listed just to get back that the debt on my report is valid.
Product: Vehicle loan or lease

My information was used to obtain a loan from Chase Bank. I have mailed in documentation to the financial institution denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay Chase Auto or any financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down and when I checked into why it was due to no payments being reported. Im not sure what is going on the payment history had previously been reported. I have 2 other cards with Bank of America and they are showing the payment history. I contacted B of A and spoke to a person in customer service ( several weeks ago ) I also filed a dispute with XXXX. Today XXXX  sent me an email that said they resolved the dispute. It was not resolved. The payment history is still missing.
Product: Debt collection

I noticed on my XXXX XXXX a negative account which if you look at my accounts on XXXX XXXX they are all paid on time. 
an account LVNV is on my account says its origins are from XXXX so i check my XXXX XXXX  account and that account is fine and in good standing its linked to my bank account so I call XXXX and they ask me if i called the the lvnv company i said no dident know i could they said yes so i filed a dispute with both of them this was XXXX. I speak to XXXX today and they said lvnv is not removing it so i need to file an ftc report the bill is only just over XXXX us currency I could afford to pay it but why should i have to pay for something that does not belong to me. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I started this loan with Cashnet USA this in 2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like Transunion, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following : Account number # XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

My account was defrauded last year, I opened a fraud case and filed a police report as instructed by TD bank. The bank said they would send it to global securities and investigate the case, it has been a year and they have NEVER investigated the case, or even gotten back to me. Instead theyve attempted to eschew all responsibility and claim its not their job to investigate the case despite telling me they would do so. At this point it is negligence.
Product: Debt collection

When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. 

The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.
Product: Credit reporting

On XX/XX/XXXX, an account was fraudulently opened in my name & social security number with XXXX XXXX. I was alerted to this issue by my credit monitoring service with Equifax. XXXX XXXX was contacted and the account was closed as fraudulent prior to the card being activated or used. XXXX XXXX communicated in writing on XX/XX/XXXX and indicated the above referenced account was to be removed from my credit report. The account has been removed however the inquiry, which I did not authorize, has not been removed from my Equifax credit file. I have disputed this issue with Equifax XXXX times and each time the result is as follows : '' We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I have contacted XXXX XXXX and they indicate that they have informed Equifax to remove this inquiry and record on XXXX XXXX and can not do anything further and that I should contact Equifax. 
Equifax when contacted as per XXXX XXXX responds that they are unable to do anything and that I need to contact XXXX XXXX. The finger pointing has been occurring since XX/XX/XXXX ( 60 days after the official communication between XXXX XXXX and Equifax XXXX. 

I want this un-authorized inquiry removed from Credit Report as it has affected my FICO Score, decreasing it XXXX points on XX/XX/XXXX.
Product: Payday loan

I received a loan from this company Easy Money a few months ago. I ran into some financial difficulties and was not able to pay the loan back. I put the loan under debt plan with a company called XXXX. I mailed copies of my paperworK. That I signed. To easy money they Continue. To call me .I received. A csll today from. XXXX they lady told me why she was calling me end I explained to that i had put them in my debt plan and all my other creditors had stopped calling me. I asked for her email or fax so I could have. The paperwork sent to them she said they do n't receve information. By email or fax. I asked how are they suppose to get the information. To her if she will nod give me the information. To give to them. She stated you do n't. Want. Listen to what I am saying so you have a good day
Product: Student loan

I had a student loan with XXXX and I only owed closed to XXXX  back in XXXX  I was in forbearance but then made monthly payments and they sold my loan to Aid Advantage and still making monthly payments I still owe over XXXX  I don't understand why my balance is still so high and I need to know if I qualify for that Class action law suit when I called XXXX they told me to contact my school for the transcripts but my school is Closed down I went to XXXX XXXX in XXXX XXXX  and nobody seems to know nothing And I gotten married so my name is changed
Product: Mortgage

I received an email from Wells Fargo on XX/XX/2023 about a loan servicer transfer to a company called " XXXX XXXX '' occuring on XX/XX/2023 - this does not appear to comply with the notice requirements of XXXX which requires 15 day notice. The return email address was not wellsfargo.com. but instead XXXX. Upon independent verification by phone Wells Fargo at a known number they indicate the transfer of mortgage servicer is taking place on XX/XX/2023 and emailed me a pdf letter with the date of XX/XX/2023. I received no notice or alert about this letter being generated and have not received the letter by mail - I would there for have no reason to go looking for it. 

It is my opinion that this process is not in compliance with 12 CFR Part 1024 ( Regulation X ) Subpart A - General Provisions 1024.33 and should not be occurring on XX/XX/2023 because proper notice was not given. Posting a pdf letter to an online account is NOT NOTICE - there is no reason for me to check this account every day looking for notices - notice requries a positive action to reach out to me by the financial institution which did not happen here. 

Reading about the new servicer there appear to be signs of growing too fast with many consumers falling victim to the transfer process and very poor communication resulting in negative credit reporting actions as well as delinquencies when none would have existed without the transfer occurring. This is a sign of a problem that CFPB should address. 

I contacted the new servicer who states that I may not be able to make a payment with them on XXXX XX/XX/2023 due to delays in setup of the account- this is not acceptable and again does not appear to comply with 12 CFR Part 1024 ( Regulation X ) Subpart A - General Provisions 1024.33.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im using a company named XXXX. To pay down my debt accounts. They reported to me. XXXX XXXX. Doesnt own the XXXX XXXX account. Which is being reported on my credit reports. XXXX sent XXXX XXXX a lump sum offer. To resolve the account. XXXX XXXX tried to receive and offer for 70 % of total. If they sold the account. As XXXX is stating. They can no longer receive funds for the XXXX XXXX account, they sold. No other company is being reported as owner of the XXXX XXXX account in question. I want to have this account Verified.
Product: Checking or savings account

BBVA USA was the parent company of Simple Bank. BBVA chose to close Simple earlier this year and planned to transition remaining customers to BBVA accounts. 

The transition was set to take place on Saturday, XX/XX/XXXX, and Simple customers were told this would be a seamless transition and, aside from the name change, we would not notice any difference. Simple customers were told there was nothing we could do leading up to the transition and it would all come together on the day of. 

XX/XX/XXXX rolls around and no one can access their bank accounts. BBVA did not reach out to the transitioning customers to make them aware there was a technical difficulty. In addition, no one could get through to customer service because they were closed. They never should have a transition on a weekend, let alone a transition without any customer support available. 

I went three days before I was able to access my bank account and my money. My card had been lost a few days prior to the transition so not only had I been unable to order a new one, but I also could not monitor my account for any suspicious purchases. 

I was lucky to gain access to my account on Monday, XX/XX/XXXX. Others are still not so lucky. With many still unable to even get through to customer service. 

We are now five, almost six, days into this transition and BBVA still has not communicated directly with their former Simple customers. We have had to seek out all information ourselves via their XXXX and XXXX accounts which are only updated about once every 24 hours. They have yet to send an email out explaining what happened, what they're doing about it, and what to expect forward as well their fees are. We're coming from a bank that did not have any fees, so they absolutely need to share this information with us. 

In addition to not directly communicating with their customers, they also changed our routing number - something they have been saying would not be done. This has caused people to miss paychecks and miss payments. 

BBVA has proven that they can not be a trusted financial institution. There has been very little communication ... their XXXX and XXXX posts have many words in them, but they say essentially nothing. BBVA has taken massive blunder and it made the customer 's job to fix.

At this point, it's been almost a week and BBVA has yet to even apologize for essentially storing their customer 's money in a black hole. 

I've already taken all of my money out of my accounts. I did it via XXXX because I couldn't even trust them to handle a simple transfer correctly.
Product: Credit card

I have old navy visa card exp. date XXXX used to pay bills with it.they stop the card without giving me a notice which gives me bad credit and they charge me a late fee.I did n't authorize to stop my card and I pay my bill in advance before I received.when I call customer service they told me they sorry.there a payment for XXXX paid on XXXX/XXXX/17 by XXXX XXXX bank they told they received they still asking for it.
Product: Checking or savings account

date : XX/XX/2023. 
amount : {$1800.00}. 
i did file a dispute for the unauthorized charge and chime denied my dispute and fail to provide me proof of why are they denied my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Dignifi Received Electronically a payment in the amount of XXXX, as of XXXX Dignifi reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to Dignifi without response.
Product: Student loan

I have been trying for about 6 months now to enroll my student loans in the public service forgiveness payment. Every time I call, I get incorrect information from call center reps and/or they lose portions of my application. The last straw came today when I was trying to re-apply for the income driven payment plan for the third time after receiving inaccurate information about my monthly payments. When asked how many people are in my household, I answered one. The rep asked if I had roommates. I told her I did, and she said she would list them on my application in order to reduce my monthly payment. I told her that I was very uncomfortable with this arrangement, and that I would not be claiming my roommates as members of my household since I in no way pay for any of their expenses. In addition to the saga of trying to get into the public service forgiveness program, this arrangement borders on fraud.
Product: Money transfer, virtual currency, or money service

I am filing a report against Block.In due to inadequate customer service.
Product: Mortgage

When I initially signed up for short term mortgage forbearance Wells Fargo told me the deferred amount could be added to the back end of my loan without modification to existing terms. When I called to speak with someone about repayment terms I was told my only options are to pay back the full amount or obtain a floating fha loan. I did not agree to forbearance under these conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017