23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial has broken 3 laws 1. Cease and desist. 
I sent them cease and desist paperwork. I was still getting harassment calls by XXXXnemain financial. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

I gave you all a cease and desist letter and I was still getting called by you all.

Right to rescind I have a right to Resc per Us code 1635, I am not liable for any of these charges! I was told from XXXX XXXX that right to rescind only applies to mortgage which is a lie. To prove that, I have attached screenshots from the Law below which clearly thats " ANY CREDIT TRANSACTION '' Which includes ( loans ). Per law, I have to be given documentation about my right to rescind. This was not given to me and I sent paperwork which is illegal. This contract is void and needs to be terminated immediately! 

Late payments Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus These are violations of the U.s. consumer law. I have a pending lawsuits against wells fargo for violatiing these same laws and I will do the same with onemain financial. 

Remove the late payments IMMEDIATELY AND TERMINATE THIS CONTRACT! 


I Have also sent a letter to the board and corporate
Product: Student loan

I applied for a loan consolidation and chose Navient as my servicer. When I submitted the consolidation application I also submitted an Income Based Repayment application. My payments were previously {$5.00} a month and I wanted to make sure they stayed that way. Navient accepted the consolidation application and have since placed my loans into forbearance. I dont want this. Its doing nothing but accruing interest. 

1. Have all documents needed been recieved to process my request for income based repayment. 
2. If so, how long until that becomes effective? 
3. I would to know when my first loan payment is due. 
4. I would like to know if my loans are no longer in default, I would like to return to school.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my XXXX  attempt which you have ignored my first request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Checking or savings account

Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/year> Claim Amount : XXXX Dear Netspend, I hope this message finds you well. I am writing to formally request a reinvestigation of several disputed items associated with my account, as I believe the initial investigation was not conducted thoroughly. According to your policy, investigations typically require XXXX to 90 days to ensure a comprehensive review of the circumstances surrounding the disputes. However, I noticed that my recent investigation was completed in just 10 days, which raises concerns about the adequacy of the process. 
The FDIC provides insurance coverage for depositors accounts. This means that if the bank fails, the FDIC will reimburse depositors for their insured deposits up to a certain limit, which is currently {$250000.00} per depositor, per insured bank, for each account ownership category. I asked for detailed documentation on how your investigation led to your final decision. Nothing was provided. I will now file a claim with the CFPB about the laws your company has violated and failed to comply with. 
Being FDIC insured is a sign that the financial institution adheres to certain regulatory standards and practices aimed at maintaining its financial stability and protecting depositors. I am requesting that the fraudulent transactions be placed back in my depository account immediately Merchant Date Amount THIS IS IT 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: Student loan

My loan started at about {$35000.00}. I consolidated the loan to lower my monthly payment. Then, I could not make my monthly payment. My business failed.So I had to file for Chapter XXXX re-organization and I did pay every one back. I wanted to paid the student back but the late fee 's and Late Interest Fee 's ballooned to {$40000.00}, {$50000.00}, {$60000.00} ... ... .. to now {$140000.00}. 
Plus according to XXXX XXXX they are adding about {$4000.00} each month until I am out of default. I think it is unreasonable for me to pay {$3000.00} per month on a {$35000.00} loan. 
Even if I paid {$500.00} per month back. I would never be able to pay this loan back. If I paid {$4000.00} a month back it would take me over 27.5 years to pay it off. I am XXXX XXXX XXXX today. So I could complete my outstanding debt at age XXXX at {$4000.00} per month. Please help reduce these Fee, s, Fines, High Interest Rates. 
I am willing to paid back what I owl but without over {$100000.00} in penalities. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I saw that there's a class action lawsuit for people who had checking accounts with Wells Fargo up til XXXX & i had an account in XXXX & wanted to see if I qualified for anything. I do remember the bank charging me fees of all sorts during that time
Product: Credit card

On XX/XX/year>. I disputed over {$27000.00} of charges with USAA from the merchant XXXX. XXXX promised services and after multiple attempts to correct it with the merchant and how unsatisfied the quality of service that was given, even after listening to lead quality recorded conversations, looking at the XXXX with feed back from other agents on the team on what the leads were doing. XXXX did nothing they continued to take and ask for more money, they also lied about the general amount needed in a contract which i also shared with USAA when disputing the case. USAA sent documents to me with what the merchant sent them and why they were choosing their side and a in a few days I sent additional documents to USAA showing more evidence to including currents status of leads from agents, emails showing that i tried to reach out and let them know the leads were not quality, the false contract amount. And they still ruled with the merchant. Well here 's another issue on why i don't understand why they ruled in there favor. The same day I did a charge back with the same merchant with USAA I did for XXXX for the same dates and similar amounts, close to {$12000.00} as well for the same merchant. XXXX not only did a in depth investigation but the same documents the merchant sent USAA, they also sent chase. XXXX did not put a credit on my account until all documents were in and reviewed. When the documents came in from XXXX, XXXX reached out to me and said this is what they are saying, do you have anything else to support your case, I sent the same documents I sent to USAA and XXXX told me that because they can not prove the quality of leads that were coming in and the conversion than they would not rule in their favor as well as I did show I did reach out letting them know that nothing was converting and they lied about the contract amount. XXXX agreed in my favor on the dispute. So what i don't understand is how is it that i placed a dispute the same day with two different banks for the same merchant for the same issue and one banks rules in on my favor and the other on the merchants favor when all same supporting documents were given. Also, XXXX had a direct dispute department i could talk to about my open dispute. USAA had no dispute department i could speak to and all calls were monitored which they than relied all information. I don't understand with being a member with them for over 16 years and never had any issues with them and a veteran for the XXXX XXXX XXXX  for them to agree to allow to take {$27000.00} from someone is very insane to me, especially when they can look at my banking history and all the supporting documents i sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by XXXX. XXXX, XXXX whose phone number is XXXX. Their collection is being reported to both Experian and XXXX XXXX. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both Experian and XXXX confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.
Product: Credit reporting or other personal consumer reports

Why is there no investigation being taking place on this matter because it is still on my account after I repeatedly reported it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has someone else name XXXX XXXX, birthday XXXX and addresses on my credit file. I informed Equifax on XX/XX/XXXX about this and asked them to delete this person information and any accounts that is relating to this person from my credit file. Equifax still haven't responded and it's been over 2 months and over 60 days. I sent my driver 's license and electric bill through certified mail with tracking. My ID, electric bill, the letter sent to Equifax and proof I mailed it certified is attached to this complaint to help identify the information and correct my credit file.I need this done asap because this is stopping me from getting approved and stressful.
Product: Payday loan

None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Advantage/Maximus XXXX for failing to properly update my student loan account in accordance with federal laws and regulations.

1.Violation of FERPA ( 20 U.S.C. 1232g ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( FERPA ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a CUSIP number to my account, which has not been disclosed to me.

2.IRS Form 1099-C Confirms Loan Discharge : I have an IRS Form 1099-C issued by Advantage/Maximus XXXX CEO, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( 26 U.S. Code 61 ( a ) ( 12 ) and 26 CFR 1.6050P-1 ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed.

3.Securitization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. Code 1692e ( 2 ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading.

4.FCRA & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied.

Resolution Requested : I demand that Advantage/Maximus XXXX : Immediately update my account status to paid as agreed in all their records and with all credit reporting agencies.

Provide full disclosure of all securitization transactions related to my student loan, including CUSIP documentation and any associated securities filings.

Cease any further collection actions and confirm that the account is correctly updated in writing within 10 business days.

Supporting Documents : Copy of IRS Form 1099-C issued by Advantage/Maximus XXXX XXXX 
Documentation proving securitization ( CUSIP attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the SEC, FTC, and the Department of Educations FERPA Compliance Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$1300.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I purchased my home in XXXX and the next year my howmwoners insurance increased and i didnt catch the increase. I received notice from the insurance company that the policy was going to get canceled. I called the mortgage company because i have my account escrowed and they had not made the payment. When i contacted them they made the payment. They did the mortgage analysis and explained how the process works when changes are made and i have escrow. I was advised that every time i had an increase or decrease the analysis needs to be done. This year XX/XX/2022 i change insurance companys and the property tax increased and the full tax for the second payment wasnt made in full and i have late fees and penalty with that. When i changed insurance companies i asked for the analysis and the person who answered the phone said she didnt know what i was talking about. I tried calling several times and didnt receive an answer. Now they sent me some projection saying i have and defiecency of XXXX and have increased the mortgage payment and that number isnt correct also they have the wrong amount for my escrow payments calculated. I am tired of these people they are unprofessional and i feel like they trying to make me deliquent on my payments and it adversly affects my credit.
Product: Credit card or prepaid card

I called and ask when my card would cycle for the month and the guy said on the XXXX. I told him I was trying to avoid putting to much on that months purchases so I could avoid finance charges. I also told him I want the payment date moved until the XXXX of the month and he tells me he can only can make it the XXXX of the month. He said don't worry it will not effect this months cycle and the card will still cycle on the XXXX. Pending charges have now been applied as they changed the cycle date after they said that it would not effect the cycle date. I call to complain about it and spoke to a so called manager and he said I can ask to put it back to the way it was but that will take 30 days. It only took someone 30 seconds to lie and XXXX up this account making my next months bill out of reach to avoid interest. I know complaining here is actually a waste of time as the CFPB does nothing but make up a data based on consumers complaints, So when does the government step up and do something? I guess this will also be filed with the Indiana Attorney General after the reply from Synchrony Bank which will continue to abuse their customers and do nothing to correct their inability to do what they say!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.
Product: Mortgage

Hi, I need help ; we were given a XXXX neg. mort. Loan, XXXX XXXX XXXX bought the loan and sold to a trustee of Bank XXXX. We have been trying to get a modification since XXXX, in XXXX we retained lawyers and Bank XXXX still refused to modify us. On advice of lawyers we stopped our payments and consolidated our debt. Recently Shellpoint Servicing took over for Bank XXXX XXXX. We agreed to short sale our home, because Shellpoint would n't modify us either. We have a legal agreement with Shellpoint that we could short sale our home as long as we had an offer in my XXXX XXXX, XXXX. We had our property on the market for two months and gave Shellpoint the highest offer on XXXX XXXX, XXXX. Shellpoint just got back to us today XXXX demanding {$200000.00} more for the home. If Shellpoint does n't agree to this short sale, we will be foreclosed on and not be able to buy another home for up to 5 yrs. 
Is there anything you can do to assist us in pushing Shellpoint into doing the short sale? Short selling our home is better than foreclosing and we have been trying for 7 years to save our home. They did n't want to help us, so now they do n't want to short sale us and honor their agreement. We are with Shellpoint Mortgage Servicing, account number XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX