23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Re : School loan Account # XXXX I am writing to ask your help in resolving my efforts to pay off my son 's school loan. Please note that I am not an account holder or co-signer. 

He has given me his written permission to negotiate on his behalf with the Department of Education, Immediate Credit Recovery Inc. ( the collection agency ) and any other interested party. My attorney   advised me that, by statute, a payment of 90 % of the amount then due would satisfy the loan and end the garnishment. He also advised me to seek help myself before employing him to act for me. 

I have tried to do this. My son has had no written updates from anyone concerning his loan since XX/XX/XXXX, when it had mounted from the original {$38000.00} to {$64000.00}. Since XXXX his wages have been garnished and income tax return seized. 

On XX/XX/XXXX, I sent 90 % of the XXXX figure to the Department of Education as instructed, asking whether that, plus the garnishment and tax return, was adequate to satisfy the loan. 

My check for {$57000.00} promptly cleared my bank on XX/XX/XXXX. Success? However, I heard not a peep from the DOE or its collection agency. Garnishment continued. As of XX/XX/XXXX, {$5500.00} had been taken from his earnings. I believe the tax return was small, but don't know the amount. 

When I first spoke to Immediate Credit Recovery Inc., I was instructed to fax my son 's permission before they could speak to me. I don't have a fax, and they refused to accept an email with attached photo. I tried calling the Department of Education. It required all my persistence just to get the correct phone number, and then I was greeted with an insurmountable phone tree. The tree did tell me that as of XX/XX/XXXX he owed {$68000.00}. ( What about my XXXX check? What about his garnishment and tax returns? ) On XX/XX/XXXX, I sent appeals to both the DOE and ICR for correction, and included XXXX XXXX   permission and documentation. I also faxed this mailing to ICR. To date I have had no written response. I do not want to speak to either of these agencies. I believe we have overpaid, and I want a documented calculation showing my XXXX payment and all garnishment and other confiscation, and removal of any interest or penalties added since XXXX. 

I am attaching my letters and can provide other documentation as required. 

Thank you for any help you can give us.
Product: Payday loan, title loan, or personal loan

I tried to get an extension and was told the debits couldn't be rescheduled. I'm having financial issues and just needed until XX/XX/2020 to pay the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, XXXX AND TRANSUNION ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
Product: Debt collection

On XX/XX/2024 at XXXXXXXX XXXX Midland Credit Management called me concerning a debt that my estranges wife owes. Midland advised me that as the spouse I'm also responsible for the debt, although XXXX is not a community property state. Further Midland can not provide any legal basis for their assertion that I'm responsible for my estranged wives debt. I spoke with Midland roughly XXXX weeks ago and advised them to cease and desist calling me yet they failed to follow my direction.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX. was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX. 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 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 on my account to 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. 


XXXXXXXX XXXX XXXX  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

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Checking or savings account

I am a victim of identity theft, my social security number, passwords, and bank account information was compromised. I was locked out of my XXXX XXXX XXXX, a fraudulent credit card was open from chase, fraudulent checks were deposited without my authorization. I have police reports to prove this matter. I have never had this problem with any of my bank accounts until I became a victim of identity theft. I had multiple pre-approvals and a 5 year strong account with chase.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of several accounts from my credit report. I am a victim of a recent data breach, and I believe these accounts were fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts be immediately blocked and permanently deleted from my report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$230.00}
Product: Credit reporting or other personal consumer reports

FCRA violations : account not mine XXXX XXXX  {$1800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$1400.00} Date opened XX/XX/XXXX FCRA violations : inquiries not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX  Inquired XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX XXXX XXXX  Inquired XX/XX/XXXX On Record until XXXX XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Open XXXX XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$1500.00} Status Open XXXX XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$1000.00} Status Open XXXX XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$1200.00} Status Open XXXX XXXX XXXX XXXXotentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed
Product: Mortgage

Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account.
Product: Credit card

I purchased a t.v from XXXX for XXXX and put it on my Citi card on a flex pay plan on XXXX and it arrived on XXXX. I didn't know it was broke right away because the day they delivered it, they slid it in my front door and propped it against the wall. I had to wait until my father came to visit to help me put it up. It was an XXXX t.v. The t.v box had a hole punctured in the box, and where the hole was at the screen was cracked. We took it out and plugged it in and it didn't work. I called the company that delivered it and they said I had to call XXXX. XXXX didn't help and so I filed a dispute with my credit card company. They rejected the dispute and wouldn't give me a reason. I called XXXX, assuming that the money for the t.v was being held and they said it had already been refunded. I called Citi and they said no refund was issued. Meanwhile, the t.v was boxed back up in the original package and it was picked up on XXXX XXXX. The XXXX  tracking number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I went to XXXX in XXXX TX off XXXX XXXX. I brought in a State Check ( Government Check ) That was made payable to me from the State of Texas in the amount of {$2600.00}. The clerk asked for my Drivers License, and My Social Security Number. Which I typed in. After he ran my social and scanned my license he put the check in and the check was immediately declined to cash. This is a guaranteed check there is a number on the back of the check which you can call the State Comptrollers office and verify the funds of the check. However he printed a receipt and told me it was Certegy who BLOCKED Me from cashing the check he told me to call Certegy to find out why they won't let me cash the check. In the past and current I am a victim of Identity Fraud. I have never written any bad checks, nor have I had any cashed checks past or present that have been returned after cashing. I have not written any hot checks. My check book previously was stolen with my bank and I reported those checks to XXXX As fraud. XXXX XXXX went ahead and took care of those checks. They are marked as Forgery. This is not the first time I have tried cashing a check Certegy has blocked me from cashing a check before with XXXX. I definitely feel like this is not fair treatment, Just because I am a victim of Identity Fraud, Does not mean I have committed any type of crime. Certegy Previously blocked a check last year I tried cashing at XXXX again for the same no reason provided. To call Certegy and when I call they can't give me any information. I am requesting my consumer report from this agency as a credit reporting agency. I also want any checks that were returned that WERE STOLEN AND WRITTEN Fraudulently to be closed as IDENTITY FRAUD, Forgery. I also want to know what Certegy has flagged on my SOCIAL And Drivers license, as nothing they could have possibly reported would be collectable. I have never received any notices from this company and I should be allowed to cash my own checks. This is not a personal check this is a GOVERNMENT Check. Written from the State Comptroller. This is a valid check, and Obviously Certegy has me flagged in their system to auto decline. I want this inaccurate flag removed from my information immediately I also want an apology for causing me financial loss by declining my checks.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) to 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. 


( XXXX XXXXXXXX XXXX XXXX XXXX ) 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, credit repair services, or other personal consumer reports

XXXX creditor was paid XXXX still showing on rpt.
Product: Mortgage

I am unable to pay my mortgage on my home and I was able to obtain a short sale buyer that was willing to give the lender more than the appraised value. The offer was {$450000.00} and the appraisal was {$480000.00}, so the offer is within almost 93 percent of the appraised value. The bank is refusing to permit a short sale on this although I clearly qualify for one. I do not want a foreclosure sale or deed in lieu is this matter both of which have negative implications, while at least in the short sale it will indicate funds were paid to the bank towards the debt I owe. Furthermore, the tax implication is great because at least I know I am getting almost the entire value of the home in this short sale. If the bank takes the home or forecloses on this my accountant advise me the XXXX deficiency may be greater for the IRS and my tax liability would be greater.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX I am writing to dispute the following inaccurate information on my credit report. I have reviewed my credit report and found that the information listed below is incorrect. Please investigate this matter and remove or correct the erroneous information. 

Account Information in Dispute : This account does not belong to me, or this account has been paid off but is showing as delinquent. 

I kindly request that you investigate this matter and remove or correct the inaccurate information. Please notify me of the results of your investigation as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is found to be inaccurate, incomplete, or unverifiable. I also request that you send me an updated copy of my credit report once your investigation is complete. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX has Violated my rights. 

I informed them that XXXX XXXX XXXX and XXXX XXXX  XXXX  were the result of Identity theft. They were Provided with FTC reports. They did not delete these accounts within 4 days as required. They after 24 days claim the debt has been validated and have provided no proof of validation. 

12 CFR 1022.3 IDENTITY THEFT means fraud committed or attempted using the identifying information of another person without authority. 

I did not give XXXX the authority to furnish this information on my report. I have no contract with XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX. 

XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX according to 12 CFR 1022.3 have committed Identity theft. 

I was not provided with any disclosure information from all three of these institutions, because they have stolen my identity. 

This is a violation of the Privacy act of 1974 and 12 CFR 1016.7 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote XXXX, Equifax & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to XXXX, Equifax & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). XXXX, Equifax & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices. Which violate the consumer 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, the dispute resolution process was unfair and deceptive As they did not comply with error resolution requirements. Under the electronic funds, transfer act ( efta ) and regulation E these actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations
Product: Checking or savings account

A Navy Federal rep responded to my previous complaint saying that as long as I was in the field of membership I could apply well I have tried on several occasions since that reply and have not had any success. When you call they give you the run around and this is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted equifax and XXXX & alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!!