23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

So they sent me this, " Your account has incurred a late fee of {$15.00}. To avoid impacts to your credit, please make a payment by XX/XX/2017.If you ca n't make a payment today, please complete a Promise to Pay form. This will reduce the frequency of the contacts you receive. And you can always call us at XXXX if you need help staying current on your loan. '' The problem was that about one month ago I was told by Nationstar that I was a complete payment ahead of schedule so I had them apply the outstanding money to the loan. Nationstar Mortgage said they would honor the payment terms from XXXX XXXX XXXX ( previous mortgage servicer ). I was using equity accelerator at XXXX and making half payments every two weeks, Nationstar said they would keep this the same. So my guess here is that when they lied to me about being one month ahead ( I think I was actually 1/2 a payment ahead ), so when they applied the complete payment it put me 1/2 month behind, thus the fee they are charging me. This company has the worst customer service I have ever endured, the representative lies to me every time I call and can not pull up my account to even see what is going on. I have to be transferred to someone else every time to actually get any help.
Product: Student loan

I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those " high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job, but still not enough to take care of my family and pay off my debt. as of now I will be paying back my debt for the next 20 years. I will not be finished paying me debt until my kids are in college ( that 's if I can afford to pay for theirs ). recently all the le XXXX in north America are closing. so the degree that I was told once held " great weight '' because of the XXXX name will not by worth the paper it is printed on. Now even if I could eventually get the chance to get that high paying job my degree will be worthless in the eyes on my new/potential employers. 
Unfortunately I was one of the many victims of the for profit schools. I will never be able to support my family they way I dreamed of or give them the " American Dream ''. I was tricked my school advisors into thinking I would have this great job after graduating and it did n't happen. Because of the many years of not making a living wage and trying to support my family my student loans are behind and so much interest has accumulated that it will most likely take the next half of my life to pay back. 

XXXX XXXX XXXXXXXXXXXX XXXX
Product: Mortgage

The loan process was delayed and the processor lied saying they were on top of things. I have emails of them saying something was going to happen but did not on multiple occasions. We received a 30 late on a 2nd mortgage that should have been paid off in a timely manner. I called them to ask to investigate about 2months ago and they said I would have an answer in 3 weeks. Never heard back from them on this matter. This seems to be an ongoing problem and I still have bad credit due to their lack of follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Experian and spoke with a manager named XXXX and a team member of his named XXXX. He said they were part of the XXXX team. 

XXXX and XXXX informed me that it is my problem to to send valid proof to the creditor and furnisher about information that they provided to them. I thought that the credit reporting agency is supposed to verify the accuracy of anything that is being sent to them before they publish it on a consumer 's report. 

They stated that is the law but it doesn't work like that. So basically they were saying to me that anyone can add something to my credit file and it is up to me to send valid proof whether or not that information is correct but the creditor or furnisher doesn't have to send anything. That makes no sense is my reply to them. 

This is my third dispute with them and I keep getting the runaround and they are ignoring or disregarding the information I provided to them. It shows clearly that they are in violation of the FCRA regulations and they still will not remove the inaccuricies they are reporting. There are other multiple violations as well on my report.
Product: Mortgage

Select Portfolio Servicing ( SPS ) took over my loan on XX/XX/XXXX. I had no issues with my forbearance loan since XXXX with XXXX XXXX. In XXXX I contacted SPS about my mortgage payment going from {$1700.00} to {$6500.00} per month ( due to an inaccurate escrow analysis ). To date, SPS did not perform another escrow analysis. My payment for XX/XX/XXXX is {$6500.00}.
Product: Debt collection

XXXX XXXX XXXX is reporting that I currently owe them {$1600.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an inquiry was done on my credit report by SYNCB/SAM 'S XXXX. I have not authorized any company to check my credit report and not have applied for any credit or other situation that would require a credit check.
Product: Vehicle loan or lease

I authorized an payment to be processed on XX/XX/year> i got and email confirming the transfer was in process which would of completed the other half of my payment I made on XX/XX/year>. On XX/XX/year> they put an order for repossession out on my vechile. And on XX/XX/year> at XXXX they come and took my car. This month I would have made my payment and then some to pay down my past due. No one ever looked at the payment I authorized already nor did they take it even tho I did the day before my due date. Instead they come take the car and now I had too pay another {$800.00} repossession fee to get my car back when I took all the necessary sets too keep it from getting repo. XX/XX/year> I spoke to someone that also took payment from me that told me I bought myself XXXX days as long as I made my next payment on time which that didn't even matter
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my final balance with XXXX XXXX and they have said they have requested in XX/XX/XXXX to remove the account from my credit report but as of XX/XX/XXXX it has still been showing. please rectify the removal of this from my credit report as promised.
Product: Credit reporting or other personal consumer reports

I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXXXXXX XXXX that I did not authorize to open. I sent a letter to XXXXXXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXX XXXX  credit card removed from my three credit bureaus.
Product: Credit reporting

I have a very old account from XXXX XXXX that keeps reporting the same account information over and over to Equifax, they then report it over and over. The last date real information was reported was XX/XX/XXXX which was paid as agreed, they then keep reporting it over and over, then it stays on my report. Equifax just old me in a phone conversation it would stay on there now until XX/XX/XXXX. Equifax Confirmation Number : XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute certain items on my credit report that I believe are inaccurate. After reviewing my credit report, I found several entries that I believe require correction. First, there are two entries for XXXX XXXX that report an account closed on XX/XX/XXXX and another closed on XX/XX/XXXX, both of which I find to be inaccurately reported. Additionally, the entry for Mi XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX also seem incorrect and require further investigation. Furthermore, I would like to dispute the entries for XXXX XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX for similar reasons. I also want to address the inquiries listed on my report, including XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, and another Credit Plus entry dated XX/XX/XXXX, which I believe need clarification as I do not recognize these inquiries. I request that you thoroughly investigate these entries. I have attached copies of the relevant documentation supporting my disputes. Under the Fair Credit Reporting Act, I am entitled to have an accurate credit report, and I kindly ask that any inaccuracies be corrected. Please send me an updated copy of my credit report once the necessary updates have been made. Thank you for your prompt attention to this matter, and I look forward to your swift response.
Product: Credit card or prepaid card

XXXX XXXX XXXX American Express Company American Express XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, New York United States XXXX Date : XX/XX/XXXX Dear American Express This letter is being sent to formally request a refund and or credit to my American Express Credit Card account ending in XXXX in the amount of {$2500.00}. These monies were paid in full for a XXXX XXXX XXXX XXXX XXXX bed purchased through XXXX XXXX, located at XXXX XXXX, XXXX, New York XXXX XXXX with a telephone number of ( XXXX ) XXXX. 

The furniture mentioned above was paid in full on XX/XX/XXXX, with the credit card held in my possession at that time ending in XXXX. 

Over the past year, there has been ongoing telephone communication with the merchant pertaining to delivery of the purchased bed. The merchant communicated that the bed was going to be delivered on or around XX/XX/XXXX. The bed was not delivered. The merchant then communicated that the bed was not in stock and would be delivered in or around XX/XX/XXXX. Again, the bed was not delivered. The merchant then communicated that the bed would be delivered in XXXX of XXXX. The bed was not delivered. After this, the merchant then communicated that the bed would be delivered in XXXX of XXXX. Again, the bed was not delivered. Lastly, the merchant informed that the bed would be delivered XX/XX/XXXX. The bed has still not been delivered. 

You, American Express has opened and overseen multiple disputes pertaining to the above-mentioned merchant and the refund amount of {$2500.00}. Most recently the dispute was reopened on XX/XX/XXXX, only to be closed shortly thereafter on XX/XX/XXXX. During telephone communication with an American Express Card representative held on XX/XX/XXXX. I was informed that the merchant was reached out to via email correspondence requesting the refunds. When I asked the American Express Card representative to provide the email correspondence sent to the merchant between XX/XX/XXXX, and when the dispute closed on XX/XX/XXXX. The email correspondence could not be provided. Therefore, it appears that the dispute was closed without due diligence to ensure that the refund amount was indeed received from the merchant. 

These charges are now being reflected on my credit card as an amount that I am responsible for paying. It is important to add that as an active-duty uniform service officer serving this country dutifully. I do not shy away from and take my financial obligations very seriously. However, from the series of events that have taken place over the past year pertaining to the above-mentioned merchant. The amount of {$2500.00} should NOT be my financial obligation. 

Therefore, I am issuing this demand letter that the amount of {$2500.00} be credited to my account by XX/XX/XXXX, or a court filing WILL be filed against you. In addition to the refund amount, a request for reimbursement of filing fees, attorneys fees, and any other costs associated with obtaining the refund amount may be pursued. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} All these accounts have been paid in full but still reflect on credit.

Remarks ACCT CLOSED DUE TO TRANSFER
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies will not correctly update my credit report as XXXX XXXX XXXX credit card has been paid off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX have ignored my request to explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX XXXX, XXXX statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, Oregon ) is not my address. My address is in XXXX and previous address in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citzens-alert : We have temporariIy restrictd your XXXX due to unusuaI XXXX XXXX XXXX to confirm your details. 

I don't have a citizens card. So I wouldn't be able to have it restricted.
Product: Debt collection

Receivable Performance is reporting a collection for a debt I didn't authorize. The mark is negatively impacting my score in which I was recently denied credit. This account is causing me damages. I have disputed it with the credit bureaus and have filed a identity theft report through the FTC and had it forwarded to them as well as the credit bureaus. Im beyond upset about this and want it to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Student loan

School went under bankrupt and had all the student leave without completing the program. The school allow us to discharge my loan due to closing of school doors. This took place at the end of XXXX and started XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported late 90 days for months of XXXX XXXX, XXXX XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with Capital one but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card of and request that Capital One remove these late reports to credit bureaus.