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

I trust this letter finds you well. I am reaching out to address a matter of significant concern related to my credit report, specifically concerning potential violations of the United States Code Law, particularly the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon a recent examination of my credit report, I have identified several instances of billing errors outlined in 15 U.S. Code 1666 ( b ), with a specific focus on points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditor 's failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

Point ( 5 ) : A computation error or similar error of an accounting nature by the creditor on a statement.

One particular concern is the absence of notification at least 21 days before issuing a statement. This oversight has resulted in unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that substantiates any claim of non-payment leading to the reported late status, as I firmly believe this constitutes a clear billing error. Additionally, as per 15 U.S.C. 1681a ( 2 ) ( a ) ( i ), a late payment is considered a transaction and experience, and thus, should be excluded.

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the status of payments : Account Name : XXXX Account Number : XXXX Late Payment Dates : XX/XX/ In accordance with consumer protection laws, these accounts must be promptly updated to reflect the accurate " paid as agreed '' status. Failure to comply with this request will leave me with no option but to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. 

Furthermore, I have taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your prompt attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried submitting disputes org Equifax about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
Equifax makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.
Product: Consumer Loan

I have been paying this loan since around XXXX 2014, I have been paying and the loan amount seems to remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
Product: Debt collection

My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.
Product: Mortgage

We purchased a home in XX/XX/XXXX. The mortgage company was Lakeview Loan Servicing , LLC ( subservicing by XXXX ). We later refinanced with the same company to get a lower interest rate. We signed all the closed on XX/XX/XXXX, and began paying on our newly refinanced mortgage shortly thereafter. After several issues with billing ( incorrect amounts, unexplained late fees, misapplied escrow funds ), we decided to refinance with a completely different company just to get away from Lakeview/XXXX. We started that process in early XX/XX/XXXX. During the application, my new lender informed me there was no Record Release filed when the other loan closed on XX/XX/XXXX. It was suspected Lakeview/XXXX did not file the paperwork properly. This meant we could not continue with the refinancing until that document was filed. I called Lakeview/XXXX  on XX/XX/XXXX, to request a copy. I was given an internal email address and told to expect a response within 24 hours. I immediately emailed them and received an automated response with a ticket number. waited 48 hours with no response. I emailed them for a follow up. I received another automated response with a different ticket number. I called Lakeview/XXXX on XX/XX/XXXX, to get an update. They had no record of my emails. They said they had the file, would make an investigation request, then get back to me within 3 business days. After 5 business days with no response, I called again and requested a supervisor. The supervisor said there was no indication that Lakeview/XXXX   " sent the paperwork and the check to the county. '' So, technically, the loan was never properly closed by Lakeview/XXXX  back in XX/XX/XXXX. They said they would investigate and close it by XX/XX/XXXX. It was supposed to be filed no later than 60 days after signatures. That created a big problem for us because the rate lock for our refinance expires on XX/XX/XXXX. If the new mortgage company does not receive all the paperwork by XX/XX/XXXX, we will have to pay to get the rate lock extended, because Lakeview/XXXX failed to comply with the law and file the necessary paperwork and fees within 60 days of signature. We believe they should be held accountable for non-compliance with the 60 day filing rule and they should also be responsible for any extension fees we have to pay to extend our rate lock. We highly believe that, had we not decided to refinance with another company, Lakeview/XXXX still would not have processed the required documents and it would have been a complete mess when we decide to sell this property in the future.
Product: Payday loan, title loan, or personal loan

I received several flyers in the mail from these people and a number of phone calls inviting me to apply for loan if I ever saw the need arise .. . s    XXXX   XXXX   XXXX     borrowed  XXXX  from Tower Loans to pay income tax ... was told there would be no early pay-off interest/penalty should I decide to pay it off early ... the terms were  XXXX  for 26 months ... 30 days later I paid the account off in full ... today I received a notice I still owed  XXXX  in interest for using their money for 30 days ... or 35 % ... nothing of such was disclosed during the signing of these loan documents ... these people are rip-off  artist  ... it is a good thing I did n't spread this out over the entire 26 months I would have paid additional thousands in undeclared interest ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Last than a year I have 15 Inquiries came from XXXX, mortage Application. 

There are excessive inquirite in my account that happens without my consent. 
I had XXXX points, my credit report is dropping down. 
Have currently XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX  and XXXX XXXX XXXX  Account number : XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was included in BK account is being reported as past due with balance which is a violation under FCRA, accounts are paid BK discharged
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX
Product: Debt collection

XXXX XXXX someone has used my information to purchase XXXX XXXX XXXX, and when I got a bill at my mail, immediately reported to the XXXX XXXX and they told me to not worry anout that may be was a mistake, but after that I did noticed that at my credit score there is a collection amount which was not mine. 
After that I did disputed that to the XXXX XXXX and XXXX credit companies! 
In XXXX the XXXX XXXX company did send me letter where its says that the collection item was removed from my credit history but XXXX didnt do anything In XXXX and even in XXXX! there is no live agent there to talk, phone calls are ignored through the automated system.And even more when you trying to google their phone number, its takes you to some law firms who advise you to fix it by money, and when you disagree to pay ( because its not you debt ) they finally asking if you want to connect to the XXXX live agent, and if you say yes they make a connection to XXXX live agent! 
The AWA collection company is the rudest in entire my experiences! they dont answer your questions, very disrespectful and nonprofesional, several times hanging phone on you, dont provide XXXX if asked and dont provide any information about the claim or proof! I think there both work together to try steal money from innocent identity theft cixtims
Product: Student loan

I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently.
Product: Mortgage

XXXX XXXX AND XXXX XXXX I AM HAVING PROBLEMS WITH MY MORTGAGE COMPANY. I MAIL MY PAYMENT EACH MONTH AROUND THE XXXX OF THE MONTH. THE COMPANY ALSO HOLDS MY PAYMENT LESS TWICE A MONTH OUT OF A YEAR TO KEEP ME FROM DOING A REFINANCE. ALSO, I HAVE BEEN IN THIS MORGAGE FOR OVER 14 YEARS AND NOTHING IS GOING TOWARD PRINCIPAL. I WAS NOT AWARE THAT THE LOAN MODIFICATION HAS BEEN DONE 4 TIMES. I DID DO A MOD. ONCE, WHEN I HAD TO TAKE XXXX   BUT NOT 4 TIMES. I HAVE BEEN IN THIS NOTE FOR OVER 14 YEARS AND SOMETHING SHOULD BE GOING TOWARD PRINCIPAL. I SHOULD BE HALF WAY THROUGH. BUT THEY SAYING I WANT BE THROUGH UNTIL XXXX. THAT IS NOT RIGHT. I HAVE CALLED MY MORTGAGE COMPANY SERVERAL TIMES COMPLAIN ABOUT THIS PROBLEM, NOTHING IS DONE. I NEED HELP WITH THIS PROBLEM. PLEASE ADVISE ON HOW TO RESOLVE THE PROBLEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my Early Warning consumer report I sent Early Warning a copy of my bankruptcy filing document proving the bank account listed on my consumer report was included in my bankruptcy so I requested all of the information under transaction information be DELETED because the information is included in my bankruptcy and that is considered negative information and is preventing me from opening a bank account since the bank account was included in bankruptcy all the transaction history information should and must be deleted because it infers that I have outstanding NSF checks which I do not any longer they was all wiped out in the bankruptcy
Product: Money transfer, virtual currency, or money service

The answer to the COMPLAINT ID XXXX has not been sent to me. 
CFPB has received a copy, but I have not received an answer from Trust Wallet.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion credit report, I found incorrect payment history that is unfairly damaging my credit score. The specific issue is : Incorrect Late Payment Reported XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> ) TransUnion has reported a late payment, but this is incorrect. 
The other credit bureaus do not report any late payments, confirming that this is an error from TransUnion. 
I have never missed a payment on this account, and this inaccurate reporting is negatively affecting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX, Account number XXXX is a result of identity theft on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX XXXX**** Balance Owed : {$17000.00} Chargeoff CREDITACPT XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX The errors on my Equifax credit report have NOT been corrected. Since XXXX XXXX XXXX and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and Equifax too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has been submitted several times I've complained about being a victim of identity theft. Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX  I XXXX
Product: Debt collection

I cancelled services within the XXXX day period and was not soppose to be charged a cancellation fee at all.
Product: Vehicle loan or lease

I had a lease that was supposed to end in XX/XX/XXXX. I took the car back to the dealership on XX/XX/XXXX, returned the car and entered a new lease with the same company. Was advised older car was paid off, and no future payments would be withdrawn. I received an email stating that a payment will be withdrawn on that account on XX/XX/XXXX. Not sure how they can do this when the account balance is XXXX. They say it is because I am still in autopay. How can I be in autopay when the balance is XXXX?
Product: Checking or savings account

I havent received my direct deposit from social security {$930.00} my account still have a ballance {$0.00} and I spoke with social security today and my direct deposit should've came in my account today XX/XX/year> and nothing is in my SoFi account i need help with this please and i confirm with social security my account number and routing number is correct on their system please help me with this problem SoFI Bank has not released my funds yet
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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

I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR  THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT