23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

PSLF form was submitted on XX/XX/XXXX. In XX/XX/XXXX I called to determine the status. I was told that it was denied due to there not being a signature for XXXX XXXX XXXX. I stated that I was told before submitting my form there is no one who signs such forms for XXXX XXXX and that all former and current employees have to use the work number to verify employment. That information was included with my form on XX/XX/XXXX. The supervisor I spoke to in XXXX confirmed that the information was indeed included and resubmitted the form. I was told to give it 90 days. On XXXX XXXX I was told that everything had been processed and my loan forgiveness was just days away from completion. I was told everything would be finalized by XX/XX/XXXX. 

On or around XX/XX/XXXX, I called again and was told that the transfer process from XXXX had not yet begun. Now today, XX/XX/XXXX, I being told that the employment for XXXX XXXX XXXX was denied because of a lack of a signature. Again that was supposedly resolved in XX/XX/XXXX. 

Its extremely frustrating to get a different response every time I call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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

The late remarks are sporadic. One account, XXXX, the OK payments was followed by CO remarks. Fedloan also reports late though there are no late remarks to prove it. THis is really getting out of hand. I have been disputing them for the longest time. Please help me get rid of those inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX, XXXX # : XXXX. Please remove all non-account holding inquires, all addresses except my current address of XXXX XXXX XXXX XXXX, IL XXXX. These aliases reported are not my names and need to be removed : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
Product: Mortgage

I began my " journey '' with Mr. Cooper on XX/XX/2023. 

My mortgage payment was reject multiple times, so I called them to figure out what was going on. At one point ( I believe it was a Thursday ) Mr. Cooper had three mortgage payments from me ( approximately {$7500.00} ). After multiple hours on the phone with them and my bank, two of them were returned. 

Before the hack of their system, my account stated that my XXXX mortgage payment had been made and that there was approximately {$2400.00} listed as " Unapplied Funds. '' Again, I messaged Mr. Cooper and also tried phone calls. On the last call from them I was told that the money would be refunded to me, as my bank, XXXX, confirmed the transfer went through. They even had me send a voided check to prove my bank information via email. 

Today their system is back up. Now it is indicating that I did not pay my XXXX mortgage. However, once again they returned that amount to me. In addition, there are still current funds in " Unapplied Funds. '' I want that to be applied to my mortgage, but the message and phone system are still down. 

I am extremely concerned about late fees from the payment they returned, interest, and making an upcoming payment. 

Thanks for your help.
Product: Credit reporting or other personal consumer reports

Equifax is reporting multiple errors on the XXXX XXXX XXXX  XXXX account. This account is inaccurate and incomplete. Please make this account accurate and complete, or remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep disputing a debt collection listed on my XXXX  report. It shows that Trans World Systems collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included TWS. This account should be listed as included in bankruptcy and not a collection account. XXXX  and XXXX both removed this account from my credit report. The only one that will not is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Nelnet, again, regarding three accounts that are reporting on my credit report from them. I was writing to notify them that they are reporting inaccurate and/or incomplete information in my credit report which is misleading and hurting my name and affecting my consumer rights!. 

However, on XX/XX/2021, ONLY 4 DAYS LATER, they sent me a letter stating that they are not complying with the investigation. THIS IS THE SECOND TIME THEY DO THIS! They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant! 

They start of by stating, " your request can not be adjusted because the dispute is incomplete, invalid or a goodwill* request ''. THIS IS FALSE. My letter to them was complete, valid in accordance to the FCRA and it was NOT a goodwill request. 

They continue by stating, " under the FCRA, data providers are not required to investigate certain disputes received directly from consumers. For reference, examples of those instances include : - a request submitted by a credit repair organization .... 
- a request in which the consumer has not provided sufficient information... 
- a credit dispute that is... the same ... '' 1. I AM NOT A CREDIT REPAIR ORGANIZATION. 
2. I provided them EXACT information about exactly what is incorrect and inconsistent with my credit report. I even notarized it with my local bank. 
3. I DID NOT SENT THEM THE SAME DISPUTE. 

You will be able to attest to this as I will be linking what I sent them.
Product: Debt collection

I received a phone call on XX/XX/XXXX from someone named Miss XXXX. She said she was calling from XXXXXX/XX/XXXXXXXX with regards to an urgent financial issue. She said that I had an unpaid debt with Barclays Bank and that they were filing a civil suit against me to claim the total amount owned ( {$11000.00} XXXX. She asked me to confirm my date of birth and last four of my social security number. She also asked me to confirm my name, but she only had my maiden name, and my address, which was my parents address not my current XXXX. 

I explained to her that this was already settled and paid through a debt consolidation company back in XXXX and wondered why a 10+ year old debt was coming up when I have heard nothing from the company I worked with, Barclays or the former collection agency. She responded saying its explained in the letter XXXX which it wasnt ). 

She said she had the letter with more information. She asked me for my email so she could send it to me. When I asked why this was not sent via mail she said for the past year they havent sent anything via mail due to COVID. I gave her my email address and she sent me the letter. 

After hanging up, I received the letter and researched the company XXXX XXXX XX/XX/XXXXXXXX XXXX. On the first page of the site the company looks legit but it isnt. The blog page doesnt have any content and the website maker is a make your own website and has a copyright of XXXX XXXX XXXXXX/XX/XXXX( which seems weird ). I also looked at the email with the letter and the email address was XXXX ( which I believe is an international website ). The letter also had some mistypes and the logo of the firm didnt match anything on the site XXXX which if it was a real firm then their corporate logo and stationary would match XXXX. 

I also tried to call the number on their letter ( XXXX ) and it goes to a general voicemail box with no mention of the company name. When Miss XXXX called, she used a different number ( XXXX ). She left a voicemail saying I could call this number back and could use extension XXXX, but when I called back it went directly to her, which again is odd. I dont believe she would pick up without an extension. When I XX/XX/XXXX the first number online I saw that others have listed this as a scam, saying that they were told similar things ( I.e. a civil suit was being filed ) and that they were calling themselves XXXX XXXX. It appears these calls were happening between XX/XX/XXXX and now. 

I called Barclays Bank to confirm if they were aware of this and they said my account was in collections back on XXXX ( hence why I was working with a debt company XXXX so they dont have any details on this. They also werent very helpful and didnt consider this might be a scam. 

I havent heard back from them since Monday XXXX XX/XX/XXXX XXXX, but I am concerned they got the information they needed from me and potentially will be able to hack into different sites using my information. Im monitoring everything.
Product: Mortgage

I paid {$3000.00} into my escrow account beginning XX/XX/XXXX and ending XX/XX/XXXX. I received an homeowners insurance reduction of {$120.00} because of a new roof I had replaced in XX/XX/XXXX. The insurance company sent me a check for {$120.00} and I called Specialized Loan Servicing to ask them about the money going back into my escrow account. Specialized Loan Servicing told me to make an extra escrow payment for {$120.00} to cover the projected shortage. I made that extra payment along with my normal payment XX/XX/XXXX. I also made another extra escrow payment XX/XX/XXXX. The total extra escrow payments was {$220.00}. I received an escrow analysis showing a shortage in the account and instead of applying the {$220.00} to my escrow account XXXX applied the extra funds to my principle. The new payment starting in XX/XX/XXXX is based on that shortage and is incorrect. I have called the company which is so terrible to get to them .The company makes you jump over hoops just to talk to someone and then they will tell you different things just to get you off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
Product: Debt collection

An employee of Hunter Warfield named XXXX XXXX [ employee number XXXX ] called me on XX/XX/2022 at XXXX XXXX  EST and left a message to call him back. I have previously sent Hunter Warfield a cease and desist letter in writing by mail to not contact me by phone, email or mail.

I have previously sent Hunter Warfield information to verify that I am the victim of identity theft and that I do not owe and have never owed any debt obligation in Florida. I have attempted to obtain information from Hunter Warfield in order to submit a criminal complaint with local Florida authorities. These attempts have been dismissed by Hunter Warfield.
Product: Money transfer, virtual currency, or money service

I am trying to sell a mattress ( cost {$170.00} ) in XXXX XXXX. On XX/XX/2022, I got a message from one person name XXXX XXXX ( name used in XXXX ) in XXXX XXXXr that she is interested in buying this item & she want to pay the amount through XXXX XXXX & asked my Bank of America bank details Account Number, Last Name ). I gave those details to her & on XX/XX/2022, she sent me {$1700.00} instead of {$170.00} to my account ( this amount is showing in my account as processing ). As the amount was showing in my account I sent her back the remaining amount which is {$1500.00}. She texted me again saying I sent you {$1700.00} twice by mistake & asking to return back {$1700.00}. I checked my account it was showing {$1700.00} twice but it was showing as processing. I got a doubt & reached out to the bank they said the amount is showing as processing & it will take 24 hours to credit in to my account. I told the recipient to wait for 24 hours since the amount is not credited yet to my account. She made up a story saying that she is using joint account & her husband is the primary account holder ( Name : XXXX, Phone No : XXXX XXXX XXXX ) & she sent me screenshot of bofa checking account number ending XXXX ( when I checked with my bank they said she used same email for XXXX XXXX XXXX XXXX account through XXXX transfer ) that she is in bank to resolve this issue & chased my continuously to return {$1700.00} back again. I waited for sometime then both she & her husband texted me in XXXX ( Name : XXXX XXXX, Phone No : XXXX XXXX XXXX ) & messaged me continuously to return back that amount. As I confirmed with my bank that both the transactions will take 24hrs to show in the account then I returned back {$1700.00} to the recipient. Next day I checked my bank account both the transactions are showing temporary credit & two claims generated for both the transactions & I tried to reach recipient, their XXXX account is blocked, both the numbers are blocked. Currently bank is investigating this XXXX transfer issue ( Claim No : XXXX ). I waited for the bank to respond but it is taking more than 30 days to resolve this issue they took back temporary credit {$3200.00} & said will take 30-45 days to resolve this issue as they are chasing recipient bank.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS XXXX BY ME.
Product: Vehicle loan or lease

Ally Financial is still reporting incorrect closure date of the loan, I have filed a previous dispute with CFPB and the creditor agreed to update my credit with current information, but ALLY is continuing to report incorrect charge off dates for the loan. The loan was opened in XX/XX/XXXX and closed by charge off in XX/XX/XXXX. ALLY is reporting the loan opened in XX/XX/XXXX and closed XX/XX/XXXX. This isn't correct I need the creditor to correct this with accurate information and report to all three credit bureaus ( XXXX, XXXX, XXXX ) CFPB Reference Number : XXXX ( prior claim ) Please Transunion credit report attached and ALLY LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX  XXXX  XXXX  XXXX  - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Driver 's License expiration date is incorrect as listed on the XXXX report for XXXX XXXX XXXX and for XXXX XXXX XXXX. This is information was supplied by BANK OF AMERICA to XXXX for three accounts ending in XXXX, XXXX and XXXX. 

The expiration date of XX/XX/XXXX does not belong to either XXXX or XXXX resulting in inaccurate information reporting being furnished to XXXX by one of its participating financial institutions. 

Inaccuracies, in addition to the incorrect ID Expiration Date are as follows : Acct XXXX ( checking ) was closed on XX/XX/XXXX : On both reports it states {$0.00} Interest Paid on XX/XX/XXXX this is inaccurate information stated on both of our reports as the account closed on XX/XX/XXXX On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( savings ) was closed on XX/XX/XXXX : On XXXX report it states activity on XX/XX/XXXX yet it is not recorded on XXXX report yielding reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Acct XXXX ( CD ) was closed on XX/XX/XXXX : On XXXX report it states {$0.00} Interest Paid on XX/XX/XXXX yet it is not recorded on my husbands report this is inaccurate as the account was closed XX/XX/XXXX and there are reporting differences/discriminations On XXXX report it states an inaccurate address and an inaccurate email address this is inaccurate information as these have never been associated with him Because of these numerous reporting inaccuracies and because of discriminating reporting practices, we would like resolution as follows : 1 ) Remove the three accounts, in totality, from the XXXX Report and any other consumer reporting entities for both XXXX XXXX XXXX. 
2 ) Send a letter detailing the investigation findings as to how these inaccuracies were associated with us and subsequently why they were reported to XXXX. 
3 ) Have new EWS reports sent to both of us following inaccuracy corrections.
Product: Vehicle loan or lease

MY WIVES CAR, THAT I FINANCED HER THROUGH LOBEL FINANCIAL WAS ILLEGALLY REPOSSED THIS MORNING, CALLED FINANCE COMPANY THEY SAY WERE PAST DUE, BUT I HAVE PROOF OF ALL PAYMENTS. THEY STILL HAVE NOT CREDITED TWO PAYMENTS THAT WERE MADE IN XX/XX/2020 AND XX/XX/2020. PLEASE HELP!! 1
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX reported by CHRYSLERCAP Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Debt collection

Midland funding llc refuses to take my payment in full citing an agreement entered into with the CFPB
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy.15 USC 1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified before, I XXXX XXXX born XXXX XXXX am a victim of identity theft and i myself did and am sending this complaint.