23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Letter sent XX/XX/2022 refuse to sign and sent back to me confirming my identity and name My name is not XXXX XXXX XXXX - that name is used on fraudulent accounts per the police report Letter sent again on XX/XX/2022 Attached Identity Theft Report Attached Police Report License attached with new driver license # separating me from the fraud that was committed by defendant XXXX XXXX. Full court records is public information. XXXX XXXX was found guilty of Fraud/ Impersonation - XXXX I have reviewed my credit report again XX/XX/XXXX and the 2 National Credit Systems account continue to reflect on my credit reports and I have not received PROPER validation from creditor to validate National Credit Systems with XXXX  at XXXX XXXX XXXX and National Credit Systems with XXXX  on XXXX XXXXXXXX XXXX  to validate these 2 accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account has been disputed and therefore a 2nd validation letter was sent out this day. After reviewing credit report again on XX/XX/XXXX XXXX there have been no updates and account is still reflecting on my credit report. 

These fraudulent accounts were removed by the assigned detective XXXX, ( XXXX ) of XXXX XXXX Police Department on my case and now they are back reporting on my credit report after I submitted Identity Theft Affavidit years ago. 

Spoke with XXXX XXXX Collection Representative XXXX ID THEFT To whom it may concern, I wrote you requesting validation of this alleged debt. I asked for very specific information in my initial request and again in my re-sponse to the information you sent on ( XX/XX/2022 ). I requested information that proves that not only a debt is owed and a breakdown of the debt, but that I am the party re-sponsible for paying it. As of today, you have failed to supply the demanded proof of the al-leged debt. Your response to my request was not a debt validation so I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a final act of good faith to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. If you cant provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

Failure to do so will result in me filing a complaint with the Federal Trade Commission for violating my rights as a consumer. The inaccurate reporting of this account is costing me thousands of dollars a year in interest. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 made a request ( through CFPB ) to have Select Portfolio Services ( SPS ) report our payment history to the Credit Reporting Agencies. The Credit Reporting Agencies informed us they would report the information when we got the lender to provide the information to them. 
SPS, in a letter dated XX/XX/2020, stated : " Please be advised it is SPS policy to cease reporting to the CRAs after a Chapter XXXX Bankruptcy Discharge, unless a Reaffirmation Agreement is obtained. '' Thus closing the previous file. 
On XX/XX/2020 at XXXX XXXX  I called SPS customer service and spoke with customer service rep XXXX. XXXX advised me that they could do nothing for me since it was the LAW that they could not provide my payment history to the CRAs without me sending them the Reaffirmation Agreement. 
After requesting a supervisor, I spoke with XXXX  XXXX. I advised XXXX ( as I did XXXX ) the following : 1 ) A Reaffirmation Agreement was signed at the time of the BK XXXX and was necessary to complete the Loan Modification that is currently in effect and up to date. 2 ) After XXXX was unable cite the LAW that precluded them providing the information to the CRAs, she admitted it was just company policy. 3 ) The loan modification concluded 3 years after the BK XXXX. Meaning that the lender required fresh signatures on the new agreement. Therefore, every signature was indeed and in fact a " Reaffirmation '' of commitment to repay the loan. 4 ) The other party on the loan with me was not a party to the BK XXXX and was still entitled to have all information properly reported to CRAs. 5 ) SPS has  the ability to properly report our information to the CRAs. SPS is being punitive and arbitrary. 
All I am requesting is for SPS to report our payment history, timely, completely and accurately, to the CRAs, as required by the Fair Credit Reporting Act. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # 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 an account without my written instructions.
Product: Debt collection

I have received phone calls from an XXXX phone number. This phone number is Midland Credit Management 's line. I haven't answered them normally and sent them to voicemail as the label on my phone continuously pops up as Account Services. Today, XX/XX/24, at XXXX CST I was working and received a call again. I decided to answer. I said hello, and the agent stated " XXXX, XXXX? '' I said hello once more and the agent proceeded to state that the call was being recorded. From there they identified who they were and were clearly trying to get ahold of XXXX. XXXX is my husband, and obviously I'm not him. They attempted to confirm his private information with me. I stated that they had absolutely no authorization to communicate with me, nor him, especially when we were at work and when our bosses don't allow private calls. I asked to speak to a supervisor and the agent REFUSED more than 2 times unless I provided him information on XXXX. I stated that I knew that he did not have grounds to state that, and that he didn't need to verify anything with me in order for me to speak to a manager since he was the one calling me on my phone number. After roughly 4 attempts, I got a manager on the line. I established a cease and desist for both my husband and I. I was able to record the partial phone call/ending due to me being at work and being limited with what I could do. 

No debt collection agency is authorized to contact a spouse and request info/verification unless it is a shared debt. Let alone while the spouse is working. I am officially filing this complaint and will be filing a lawsuit as well.
Product: Credit card or prepaid card

This is in reference to my XXXX  Credit card with Synchrony Bank, that I applied for in XX/XX/2019, After receiving my card to set up automated payments I called to make a payment and set it up with what was asked of me which was my routing # XXXX and checking # XXXX, I proceeded to use my card quite frequently during that time after for travel and personal use etc., my account became very high so in XX/XX/2019 I paid the card off. I planned a trip in XXXX for a little over {$400.00}, after that trip I came home started making payments once again per automation off my XXXX XXXX XXXX card. On XXXX XXXX I received a letter from SynchronyBank stating that my account was closed because of a number of dishonored payments. Since that date I have called Synchrony, many times until I was told that if my bank fax a letter stating I was in Good standing they would reopen my account, I talked to XXXX  and they composed that letter in which the stated the wrong institution and noted XXXX instead of Synchrony, but they received it at Synchrony ) and sent it to XXXX or XXXX, it took a few days but they reopened my account on XXXX XXXX stating they would contact all major credit bureaus to remove any delinquencies I was so happy my credit was restored because I have paid my bills on time, even before they were due, but was still puzzled why this was happening. XXXX preceded to make a payment of {$35.00} toward my account using the same automated system and on XXXX XXXX I received yet another letter stating my XXXX XXXX XXXX Visa card account through Synchrony Bank was a deny payment, why would I make a payment and then deny it? They said it was done online, I told them I never go online, only call automation, thats when my bank told them they were sending my payments to the wrong account because XXXX   requires all the numbers, they are stating I gave the wrong numbers they put in the last 4 which is XXXX which we figured was going to someone elses acct XXXX  informed them they need to put in all the checking numbers in order for payments to go through. Please I need help on restoring my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX

3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in the process of applying for a short sale with my previous mortgage servicer when they transferred the loan to Mr. Cooper and I now have to resubmit my short sale documents to Mr. Cooper and I need an additional XXXX days for them to review the short sale and have time to get it closed. Please postpone the XXXX XXXX for XXXX to allow time to process the short sale.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX Account Number XXXX BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account XXXX  on my credit report which was paid of leaving the balance under {$50.00} I sent proof and it was deleted Now with no warning it has been added with out any notification back on my report which is not by the rules Here are the copies of it being deleted by transunion by cpfb last complaint now it's back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C.  As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Mr Cooper Mortgage servicing is transferring servicing from their old servicing system ( at XXXX ) to a new one. They sent out an email telling everyone that we were no longer going to be serviced by Mr Cooper, but will instead be serviced by Mr Cooper ( yes, it reads weirdly, but that was their email and USPS mail statement ), and that we'd have new account numbers and payment information, and to watch for the new info. 

Today I got an email from them saying welcome to your new " first class experience '', but they addressed me as XXXX in the email. Which is not my name. Below, they had information showing old mortgage number and new number, and encouraged me to click through to my new account, which I did using the new mortgage number shown. ( PDF attached of the email. ) What I found was NOT my mortgage. The payment and amount is smaller, the interest rate is higher, and I realized that I was looking at someone else 's XXXX - personal financial information. ( XXXX  attached. ) I went back to the email and noted that the old mortgage number was not the same as mine either. I contacted Mr Cooper by chat - no phone number contact info provided by them - and after some back and forth with them saying how this wasn't serious, was told that they XXXX have sent out a number of emails to the wrong people with the wrong mortgage data. As someone who knows this business ( in financial services for 20 years ) odds are high that they sent XXXX 's of thousands of emails to the wrong people, exposing the XXXX of hundreds of thousands of customers. When I said that the rep in chat said that they were going to recall the emails, which by and large is an impossibility. I got no answer to how they were going to protect me from the risks of disclosing my information. 

They refused to connect me with someone there to talk about how they were going to protect me from any risks of this, or to work with me to define what my risks might be. This is about as far from a first class experience as I could imagine.

Please let me know what my options are for getting protection against any risks of identity or financial fraud from this disclosure, and please, please, please get them to stop if they haven't already stopped sending out more wrong emails.
Product: Mortgage

I am on a temporary forbearance plan due to COVID19.

Mr Cooper mortgage company ADAMANTLY REFUSES to discuss what will happen at the end of my forbearance. They only throw around 3 possible options ( cap, cap & extend or modify ) and tell me I HAVE TO GIVE UP THE FORBEARANCE PLAN BEFORE they can tell me which option I will get. This is Outrageous & should be completely ILLEGAL to not tell a consumer which option they will be eligible for at any point in their forbearance!!! I should know exactly what's going to happen with my finances, my mortgage and MY HOME without having to give up the forbearance plan immediately if I need a little more time. 

I should also have a say in which plan is applied for my finances and what will work best for me rather than some random underwriting people ( who they will NOT even let you speak with which is also completely inappropriate ) arbitrarily & capriciously deciding which plan.
Product: Debt collection

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of XXXX XXXX Halsted Financial Services , LLC . 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from XXXX XXXX XXXX Halsted Financial Services , LLC . 

Neither one of these collection agencies has ever contacted me to verify any debt, yet XXXX XXXX XXXX, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

XXXX XXXX XXXX has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, XXXX XXXX XXXX will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe XXXX XXXX XXXX/Halsted Financial Services, LLC anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and XXXX XXXX XXXX, they fraudulently and falsely continued to slander my credit, and XXXX XXXX XXXX, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want XXXX XXXX XXXX Halsted Financial Services XXXX LLC/ XXXX XXXX XXXX XXXX to cease and desist from ever contacting me again. 

On the credit file, they also list XXXX XXXX XXXX as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and XXXX XXXX XXXX, and XXXX XXXX like to play a game that neither XXXX or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

XXXX XXXX XXXX Halsted Financial Services XXXX XXXX XXXX XXXX XXXX, can contact the Consumer Financial Protection Bureau XXXX and the Consumer Financial Protection Bureau XXXX XXXX me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus such as XXXX, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with Capital One Bank was opened fraudulent. Capital One is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. Capital One Bank ( XXXX ) N.A {$1100.00}
Product: Money transfer, virtual currency, or money service

In XXXX I opened an account with Coinbase. In XXXX, I became a somewhat active user in Coinbase purchasing various different Crytocurrencies. During the time between XXXX and XXXX there would be weeks, perhaps months when I did NOT access my account. When that happened my account was frozen. I had to contact Coinbase in XXXX XXXX and have a CSR help me get my account opened by sending them real and actual DOL information and " live time '' snapshots of myself. During this time the account averaged a balance of possibly {$7500.00} - $ XXXX depending on valuation changes. 

In XXXX my wife passed and I had all but forgotten the account. 

In XX/XX/XXXX I moved. During the time of moving and transition, I found something that reminded me of my account. 
On XX/XX/XXXX I tried to contact Coinbase with the number I had contacted them with before. It was fruitless and a lesson in frustration. Coinbase has somehow found a way to make their recorded message a " run-around ''! Through research ( more time spent ) I found I could contact Coinbase through the " XXXX '' or " XXXX '' platform. It appeared I had contacted someone, but again, a " runaround ''. It has been OVER A MONTH since my initial contact with Coinbase and all the " solutions '' they offer are NOT SOLUTIONS and I've proved that to them with evidence. I'M STILL GETTING THE RUNAROUND FROM COINBASE CSR 'S. COINBASE HAS NO INTEREST AT ALL in helping their client customers! In the MONTH that Coinbase has FAILED to help me, has my crypto account " skyrocketed '' and then " tanked ''? Did I lose money? Did I make money? How much? Is Coinbase liable for losses because of their FAILURE TO ACT IN A TIMELY MANNER?
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. 

I have had multiple transactions over XXXX XXXX in lost funds.