23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My problem is with getting my insurance payment for damage suffered during Hurricane Irma. My insurance company has issued a check for over {$18000.00} for carpet and flooring damaged during the hurricane. Because I have a Reverse Mortgage thru Reverse Mortgage Solutions ( RMS ) the check is written to both myself and my wife, and to RMS. 
The damage is not structural, but for flooring and carpet damage by wind driven water intrusion thru our sliding glass doors. on our 8th floor condo on the East coast of Florida in XXXX, FL, RMS is going to require us to pay for the repairs and then they will reimburse us after we submit the paid receipts for the work done.They will graciously allow us to borrow the money from them which means I will pay interest on I until I die. If I had that kind of money I would not have need a Reverse Mortgage. 

Since our Insurance Co, has determined we should be allowed this money to pay for our repairs I am asking they be directed to sign the check and return to us. We will send them the paid receipts for the work completed..
Product: Debt collection

Javitch Block, LLC is a debt collector using fraudulent deceptive practices, to extort funds from me. I contacted the Indiana XXXX XXXX XXXX, in which they informed me this company is not a licensed debt collector in Indiana, which constitute fraud under the FDCPA. Whatever they did to get my information was done fraudulently. This company has stolen my identity and created an account saying that owe this debt to them. I sent them a debt validation letter in XXXX of XXXX. I got no response so I thought they decided to cease all communications. But then I received a letter from the courts in XXXXXXXX XXXX XXXXXXXX, stating their intent to garnish my wages. I resent the 1st letter, this time by certified mail in XXXX. In which, they failed to answer each item, line by line which is a violation ( 15 US Code 1692 ( g ) ). They harassed me and embarrassed me on my job by sending bogus garnishment paperwork that was not signed by a judged. They are acting as an attorney which is a violation ( 15 US Code 1692e ( 4 ) ). I want them to cease and desist any and all communications ( 15 US Code 1692c ( c ) ) ; in addition to paying me {$1000.00} for each violation ( 15 US Code 1692 ( k ) ) listed above. This situation is harming me with undue stress. They are illegally trying to take my funds for this false account. An account they created without my knowledge. I also filed reports against this company with : - Indiana Secretary of State - Indiana Attorney General - XXXX  - FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added a personal statement to my credit report. One that I DID NOT request or authorized. What they did is took my complaint resolution from consumer finance and added word for word to report. That does n't seem professional or legsl.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is XXXX. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/AIDVANTAGE was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Statement Regarding Identity Theft and Early Warning ServiceTo Whom It May Concern, I am writing to formally address a grave matter concerning identity theft that has severely impacted my financial well-being, specifically related to accounts at XXXX XXXX  and XXXX XXXX . I believe that the Early Warning Service has a role in this issue, and I am seeking your assistance in resolving it.The following accounts have been fraudulently opened in my name : XXXX XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  did not authorize the creation of these accounts, and I have serious concerns regarding the security of my personal information. The recent account opened at XXXX XXXX  on XX/XX/year>, is particularly alarming, as it indicates ongoing fraudulent activities that need immediate attention.Despite my efforts to resolve this issue with the banks involved, I feel that the situation requires further intervention. I urge the CFPB to investigate the practices of Early Warning Service and its role in preventing identity theft and protecting consumers like myself. It is critical that institutions take stronger measures to verify identities before allowing new accounts to be opened.I kindly request that you acknowledge receipt of this statement and inform me of any actions the CFPB plans to take to address my concerns. I am prepared to provide any further information or documentation needed to assist in this investigation.Thank you for your attention to this serious matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Student loan

All of my federal loans for XXXX XXXX were discharged due to School Misconduct. I have one private loan with XXXX for XXXX XXXX XXXX I submitted the School Misconduct form/application with the loan servicer but it was denied. I asked why it was denied and the only information I got was the loan is not eligible for dismissal due to School Misconduct. I am not understanding how my federal loans were dismissed due to school misconduct but this private loan is not eligible for discharge/dismissal as well.
Product: Credit reporting

My name is XXXX XXXX, SS # ***********, I was receiving a down graded report from mostly all creditors, down grading my credit capacity, and stated that their was an adverse action or issue on my credit, so I order for a copy of my credit report, lord on behold i saw a XXXX stating that i owe XXXX {$380.00}, This same issues have been debunked, and has been removed from my account three times now by Trans Union, this company always put this in my record every other year for what I dont know, i have not been with XXXX for more than 10 years now, and i have disputed all of their charges with proper documentation, and i thought it was behind me. and I told Trans union that these people should not be allowed to mess with my account again, but now they were still able to do it over again, and was allowed, and their respond this time states that it was verified, and that it will stay on my account for some years, This same credit company has removed this from my account 3 times now they stated is verified, and they never showed me their verification, the The credit bureau has messed up my credit rating by allowing this company to keep coming and going out my credit report to mess up my credit rating, I do not owe XXXX a penny, at the time i was with them i upgrade my old phone, but after i received the phone it was not what i expected and i returned it to their store with 2days of receiving the phone, and they kept charging me for the upgraded phone which i have returned to them i send them the receipt that showed that the phone was returned to their store still they kept charging, so I cancel my contract with them. now after over 10years they still continue to claim I owe them which i did n't. 
now the collection company send me a letter that they will stop the collection action, but the credit bureau still did n't remove it out of my record, This is total injustice, that this bureau can allow this company to go in and out of people record with no credibility to substantiate their claim nor a court judgement. Please check my credit record I am 100 % in my payment history never been late nor skip payment.
Product: Credit reporting

When I checked my TransUnion credit report, addresses listed for me included XXXX I had never lived at, although my daughter and her husband had lived at XXXX some years back, and my son had lived at the other when he was in the XXXX, again years ago. I disputed the errors online. Sometime later I got a form letter in the mail stating " Here is the ... report you requested. '' They had removed XXXX address, but not the other ... no explanation why, of course. I tried to dispute online again, but for whatever magical reason, their system would n't let me. So, I downloaded the mail-in form, filled it out asking them to please remove the incorrect address, and also included a copy of my deed with a request that, while they were at it, could they correct the date at which I moved into my current address from XX/XX/XXXX to XX/XX/XXXX. Some days passed and I got a copy of the same credit report in the mail, no changes, with a form letter stating " Here is the ... report you requested. '' No mention of the dispute. I called their contact phone number. I asked that the incorrect address be removed ( I abandoned trying to correct how long I have lived where I live ). The representative said the error would be fixed. A few days later in the mail I got the same report, same form letter. Acting like an idiot, I called again. Again I was told that the erroneous address would be removed. Guess what I got in the mail today? This is a very simple problem. They ca n't fix it. Yikes!
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX and XXXX XXXX EST. Dont send any mail whether its USPS , XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Debt collection

XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX FOR XXXX This is on my credit report and i have told them it is not mine that i believed it was my sister but it is not mine i said it could be my sister because she has done this to me be for I have XXXX XXXX  for the last 8 years so i would have used that
Product: Debt collection

Whipple Law ou t of North Carolina is trying to collect on a debt that they state was charged off by   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     I moved from   XXXX   to   XXXX      XXXX   XXXX   . They have no legal right to threaten me with a law suit based on  XXXX  's  six year St atute of limitation regardless of the type of debt. And  XXXX  has a statute o f four yea rs for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.
Product: Credit reporting

To whom this may concern, I am writing to report that address information on my credit report is entirely incorrect. Specifically, according to TransUnion, I lived at " CEASE DESIST, XXXX, SD XXXX '' from at least XX/XX/2015 to present. ( Please see attached credit report ) Obviously " CEASE DESIST, XXXX, SD XXXX '' is not a valid address and it should be investigated and immediately removed. 

An investigation is required because I wish to know whether it was TransUnion or another financial entity that reported this clearly erroneous information that violated the Federal Fair Credit Reporting Act, consumer protection laws, and state laws. If this is a record inserted by TransUnion I want to know why this record was inserted and what justification TransUnion can provide - be specific as to why TransUnion believed that submitting a know to be false address to my credit report meets the " true and accurate '' requirements of federal law. If another financial institution reported this information, please provide to me the name, address, date, and contact information for the financial institution that reported this information. 

By putting/accepting, and maintaining known to be false information on my credit report, TransUnion and their affiliates have effectively barred me from opening any bank accounts that conduct an address / residence check by comparing consumer provided information to credit report record information. As the CFPB has become aware, locking consumers out of financial products is highly damaging and there is reason to believe that this behavior is widespread effective thousands if not hundreds of thousands of other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, XXXX reported my account thirty days late. I in fact paid my account on XXXX2020 in the amount of XXXX. I called and told them that i was affected by the pandemic and did everything to make the payment on time. 
This account reported thirty days past due when in fact the account was not thirty days past due. I provided documentation to the credit bureaus as well showing them that the payment was made. 
I have never been late making my payments with XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concernsregarding Zelle 's handling of disputesparticularly 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. 

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.
Product: Checking or savings account

My PNC bank debit card was lost and there were 18 unauthorized transactions on my lost debit card in multiple countries while I was still in New Jersey. As soon as i realized that my card was lost and I saw the fraudulent transactions on my account on XX/XX/XXXX through online banking, I immediately reported the transactions through online banking, filed a claim for the unauthorized transactions and called their customer service very next day to know what else needed to be done to get my money back. I opened this Account in XX/XX/XXXX and had my funds to pay my bills, Now I do not have any money into the account to pay bills, they just denied my claim stating that it was a less than 90 days old account, it is very unfair to me that PNC BANK never notified me any fraud alerts during the fraudulent transactions and failed to protect my funds, now they are unwilling to investigate to find out who used my card without my knowledge and recover my funds. I have filed the claim again on XX/XX/XXXX, claim numbers : XXXX, XXXX and I have also filed a police report number to recover my funds. I would request that PNC bank thoroughly investigate the claims and reimburse me as soon as possible.
Product: Mortgage

My mortgage was serviced by XXXX for many years, in XX/XX/XXXX, after I got damage from Hurricane Irma they send me a letter offer me not to pay for 9 month mortgage without any penalty to help with home repaire, after that they offer me to extend my mortgage because I was owed them about {$3500.00} principal for two more years, mature mortgage date was originally in XX/XX/XXXX, they offer to extend until XX/XX/XXXX, and I agreed, and start paying them trial payments one month earlier in XX/XX/XXXX. Then they sent me a letter saying that my mortgage was sold to Selene finance and that from XX/XX/XXXX I have to pay my all payments to them, I was sending them calculated payments of {$590.00}, since then. In XX/XX/XXXXthey send me modification agreement to sign and notarized with a new mature mortgage date in XX/XX/XXXX, for {$590.00} per month which included taxes, principal and interest, hazard insurance included in my condo association fee, I pay separately, And Homeowners insurance I pay quarterly on my own.Since XX/XX/XXXXSelene Finance asked for proof of insurance and I sent them proof 5 times, my insurance agent also sent 3 times, and they still sent me letters saying that they going purchase insurance for me. Since XX/XX/XXXX they steer charge me {$710.00} instead of {$590.00} mortgage payments, I called them since XX/XX/XXXXabout 20 times, sent them more then 20 emails, and twice was trying to despite {$230.00} they overcharged me for XX/XX/XXXX and XX/XX/XXXX,  talked to them recently asked to recalculate escrow, they could not explain why escrow balance {$2400.00}, which {$1200.00} taxes {$1300.00} what that was for, since my mortgage payment included taxes? Also Had to overpay again and sent them payment {$710.00} on XX/XX/XXXX, by phone to not have a late fee, and they just sent me a statement for XX/XX/XXXX again overcharging me monthly mortgage payment and {$30.00} late fee! I feel totally helplessly and taken advantage of, and was seeking a legal advice, in this point, and they suggested take a first step and write this complaint.I really hope this would help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$55.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I was a victim in the XXXX XXXX scandal which involved fraud, high pressure recruiting, misrepresentation ( claimed to be accredited when they weren't ), and various other issues. President Biden recently announced that the government will be discharging federal loans for all students who attended the XXXX XXXX, as per the articles I have pasted below from Dept of Education and whitehouse.gov. I would like to request that the remaining balance of my private loans with Navient also be discharged. I was victimized by this school, and the federal government has recognized that. I believe my fraudulent private loans should be discharged in the same manner. Please advise how I can proceed with this request. 

Dept of Education Article : XXXX XXXX XXXXXXXX XXXX from White House XXXX XXXX : XXXX