23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the XXXX XXXX XXXX was reporting to the credit bureaus that I owed them {$420.00} for account # XXXX ... I sent letters to them XX/XX/XXXX, certified mail ( tracking # XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In these letters I asked them to validate this debt. With all documents pertaining to this account. I also requested any receipts or any documentation bearing my signature. They have yet to respond. They are continuing to violate federal law by knowling reporting inaccurate information about me.
Product: Checking or savings account

Missing Transfers from XXXX XXXX to Pentagon FederaXXXX Accounts XX/XX/XXXX- I noticed my Pentagon Federal accounts were missing funds. 
{$990.00} missing from savings {$990.00} missing from checking XX/XX/XXXX I emailed documentation of the transfers through XXXX XXXX secure document portal showing the two completed transfers from XXXX XXXX to Pentagon FederaXXXX on XX/XX/XXXX. Pentagon Federal Case # XXXX. 

XX/XX/XXXX Received an email response from Pentagon Federal saying they were unable to assist and I should contact XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX. I was told that the transfers were completed on XX/XX/XXXX. 

XX/XX/XXXX I called Escalation Analyst XXXX XXXX at Pentagon Federal. He said he would check on the issue. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal and was told The funds were rejected. XXXX XXXX XXXX. 

XX/XX/XXXX I called XXXX XXXX and was told the funds were transferred XX/XX/XXXX at XXXX pm. The funds were not rejected. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal. He said he would reach out to another department and get back to me. 

XX/XX/XXXX XXXX XXXX at Pentagon Federal told me that the transfers made on XX/XX/XXXX through XXXX XXXX were rejected by Pentagon Federal on XX/XX/XXXX. There was nothing he could do. He suggested calling XXXX XXXX. 

XX/XX/XXXX I again called XXXX XXXX, again giving them MTCN number and date of the rejection. The XXXX XXXX representative said they never received the rejection.
Product: Credit reporting or other personal consumer reports

m writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquirires that I did not request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

After graduating college I tried to get some information about my student loans from Navient on how to consolidate my loans so i could lower my interest rate. I was n't provided with any information. Navient seems like bullies when they are always " pay me, pay me '' and do n't care about the customer. I am {$100000.00} in debt with them because they failed to help me. Sometimes i feel like i have to chose between eating everyday or paying them. They say my monthly payments are around {$650.00} a month. They do n't provide enough information to the borrower and did n't let me know the interest rate and I am just finding out that all my loans are private which I thought they were federal loans. This is becoming a XXXX for me and I am out of options. I am asking you to please look into my account. I will provide screenshots of how much I owe and the interest rate on the loans. 

Thanks
Product: Debt collection

I received a letter from the collection agency Hunter Warfield on X/XX/2017 regarding a debt from XXXX XXXX XXXX. Before calling the debt collector, I researched the company with the Better Business Bureau website and learned about its unfavorable rating on account of its heavy-handed debt collections tactics. In fact the company has a reputation of taking " disputed rental claims from shady rental agencies and tries to intimidate consumers into paying disputed claims by threatening their credit. '' Armed with this information, I telephoned the account manager, XXXX XXXX, and queried him about the matter. I stated to XXXX XXXX, " How did the company gain access to a confidential address which is not listed on any credit report? ". Although he claimed the original creditor had furnished him with information, I called him out on such an audacious lie because no one had the address. I stated that I had accumulated the debt after a lengthy hospital stay and was in no position for repayment because of a debilitating medical condition which prevented me from working. XXXX XXXX neither wanted to provide any information about how the company retrieved my personal information nor wanted to provide any information to affirm the debt. 

I stated to XXXX XXXX that because the company may have violated provisions on the Fair Debt Collections Practices Act for using a third party to gain unauthorized access to a confidential address and unlisted telephone number. I stated to XXXX XXXX the collection agency had used the skip-trace method after an unauthorized third party had provided his company hired a private detective agency to supply personal information. He tried denying the situation ; however, I stated to the debt collector I knew my rights and therefore the company could neither employ shady business practices nor intimidation to cower me into repayment. 

I later learned Hunter Warfield retrieved my information from the screening company, XXXX, XXXX, which is listed on a formal housing discrimination complaint with the both the Federal and Washington State Office of Housing and Urban Development. XXXX, XXXX is a local tenant screening company in XXXX Washington that provides information on prospective tenants to landlords and rental companies. XXXX, XXXX provided personal information to the debt collector, Hunter Warfield, as a scare tactic to prevent me from moving forward with a formal complaint of housing discrimination. Also, XXXX, XXXX provided adverse information to all credit reporting agencies in direct retaliation for naming the company in a formal housing discrimination complaint, thereby limiting ability to rent.
Product: Credit card

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Product: Mortgage

I have been affected by the Covid crises since XX/XX/2020. Have been on unpaid FMLA since XX/XX/2020. Because of being at XX/XX/XXXX due toXX/XX/XXXXconditions. And having to care for my children since schools have been closed. And both my children suffer from XX/XX/XXXXand XX/XX/XXXX conditions. And orders from XXXX that my children must have 24/7 supervision. I am aXX/XX/XXXX With full custody and no one else to care for them. I have all documentation from doctors and all FMLA documents. I have told the mortgage company I wanted to save our home and needed a modification under the cares act. And because I had no way of coming up with money for the modification process which they were asking for {$1200.00} dollars. I never heard back from anyone. And instead of helping they started foreclosure proceedings. I am currently in chapter XXXX, and the trustee has received documents from my employer that I have been on Unpaid FMLA. My attorney has said the mortgage company must perform a loan modification under the cares act. And that the chapter XXXX trustee has advised to call the mortgage company again for modification. Since my case through the courts are on hold until I can get back to work. And the crisis is over. Any assistance in this case is much appreciated. Thank you.
Product: Debt collection

XXXX sent bill to wrong address, never attempted to contact me any other way, sent to collections. Account is paid in full but still on my credit report. I want it removed.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXXXXXX XXXX XXXX above Account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts.

( 6 ) Notice of results of reinvestigation ( A ) In general The erroneous status of your credit reporting records and methods is/are unacceptable and is causing me hardship.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to this account : 1. A copy of the original credit application showing the terms of the agreement. 2. Original documentation used to compile a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 3.

Copies of all original documents and financial instruments that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureaus above in concern. 4. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 5. Copies of all documents sent to me regarding this account.

Also Heights Finance is listed under the Illinois Secretary of States website as Revoked since 1994 of XXXX please see attachment.
Product: Credit card or prepaid card

A Bank of America ( B of A ) credit card was opened in my name, it was a XXXX XXXX XXXX through B of A. I called B of A and they closed the account and put a block on the card as well. They also mentioned that an alternative address had been placed on the account, but could not reveal the address to me. I was told the next step should be to contact the FTC or CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 XX/XX/year> 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. 


( CREDITOR NAME ) 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

My account with the XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> XX/XX/year> 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.

This company 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 XXXX 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: Payday loan, title loan, personal loan, or advance loan

XXXX email update from my consumer attorney in trying to obtain the titlemax administration account the data broker released information without contacting the consumer financial Protection Bureau with consent of the misguided data breach account forgery.We will be filing your claim with Titlemax over the weekend, but we need your Titlemax loan number in order to do so! We require your loan number not the vehicle registration or phone number. Please respond to this email with your Titlemax loan number before Sunday evening, XX/XX/XXXX, so that we can file your claim. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Titlemax XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A referral is the best compliment. If you know anyone that needs our help, please have them call our office 24/7.
Product: Credit card or prepaid card

I have automatic payments enabled from my Wells Fargo checking account to my Wells Fargo Visa credit card for the minimum balance due each statement period. These minimum payments are enabled to prevent me from missing a payment. 

When I logged onto my online account on XX/XX/XXXX, I saw a banner indicating that my payment was late and to make payment as soon as possible and that my payment was due on XX/XX/XXXX. It should be impossible for me to make a late payment because I have automatic payments enabled. 

Wells Fargo posted my transaction late, despite prior payment instructions, in order to penalize me for late payments.
Product: Debt collection

Persolve Legal Group LLP refuses to provide required documentation in dispute of an alleged debt they claim I owe. I have sent three certified dispute letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX " Compliance Officer '' fails to provide the requested information to validate this debt. The documents sent do not substantiate the debt, nor the information I requested, three times, and the excuse is that the documents that they received from their " assignor '' should substantiate the debt. The documents sent, to not provide the information I requested : name and addresses or creditors, when and who the alleged debt was obtained from and the amount at the time it was obtained, verification and documentation that there is a valid basis this alleged debt is owed to the stated creditor, billing statements, itemizations, statute of limitations, and their authority to collect. As a " Compliance Officer '' the obligation is to provide the requested information under FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, XXXX, Equifax Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter
Product: Payday loan, title loan, personal loan, or advance loan

I keep getting mailings from SoFi, as in pretty much every other day, offering personal loans there is a number at the bottom of their mailing that says to opt out you can call XXXX. When you call that number the very first thing they ask, you is your for is your Social Security number. I want out but will not Provide my Social Security number and they give you no other XXXX  to cancel.
Product: Debt collection

Credit Systems international has continued to report false and inaacurate information on all three of my credit reports. They have been unable to validate the debt but continue to report this false information. 

I will be filing criminal charges against them as well as seeking legal remedies for conspiracy to commit fraud.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by XXXX for the following accounts on the following date ( s ) : late payment dates suggested are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.
Product: Mortgage

I talked with an CFPB agent today XXXX of your XXXX office and give her all of the information. The prior CFPB complaint shoud not been closed, The other party attorney XXXX XXXX commiting XXXX on my wife and I. The XXXX XXXXXXXX loan we payed on time for XXXX of the last 40 years. we are being XXXX XXXX as XXXX XXXX XXXX couple with XXXXXXXX XXXX XXXX XXXX  who are being Prayed on my XXXX attorney XXXX XXXX, XXXX, and Judge XXXX who has dismissed all the discovery evidence which proved XXXX case against XXXX  XXXX XXXX XXXX, XXXX, that the sale was reversed by Loan Care. The XXXX attorney offered our home our 60 years that was paid a chance to buy for {$350000.00} offer he says he drop at minute. The XXXX XXXX has ruled every point in XXXX XXXX and LoanCare favor and suppressed All evidence. The Judge is polical hire by Govenor XXXX XXXX with XXXX Alaska XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my credit monitoring company notified me that XXXX XXXX had made an inquiry on my Equifax credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with Equifax because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

Equifax informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact XXXX XXXX. They searched my SSN in their system and assured me there was no record of any such inquiry. XXXX  XXXX told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to XXXX XXXX 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.
Product: Credit card or prepaid card

Received a letter from CitiBank regarding a credit card that was in a debt settlement program through XX/XX/XXXX. Received a letter XX/XX/XXXX from CitiBank stating they were no longer pursuing the debt and that they might have to issue a XXXX Over the last year, knowing I would take a tax hit for this, I have asked them to XXXX out my account to a debt collector wouldnt see a balance on my credit report and attempt to collect a dead debt as I have been a victim of identity theft starting in XX/XX/XXXX. They chose to take that as I was disputing the credit card as my own, and illegally restarted the debt clock. They have now turned over the debt to a third party debt collection agency. I have asked them to rescind it as it was done illegally as I never disputed the account as my own, that was their employees who did that to reset the debt clock. Also, I have the letter as proof they promised they were no longer pursuing the debt. I dont feel they are doing things in a honorable and legal fashion.
Product: Credit reporting or other personal consumer reports

I filed XXXX  XXXX bankruptcy about XXXX, XXXX XXXX XXXX, and it was discharged in XXXX. During this, I reaffirmed or in other words, kept my car loan and the bankruptcy was discharged. GM Financial now refuses to report my monthly payments to the credit bureaus, thus preventing me from searching for different refinancing options as these possible new lenders can not find a vehicle in my credit report, and GM Financial is also preventing a credit score increase as time goes on essentially attempting to trap me in a vehicle loan with no benefit to my credit score. I will work with my credit union to refinance the vehicle if a solution is not created, as I have auto financing history built with them. I have already made a complaint with XXXX, and I would have not reaffirmed on the vehicle had I known they would not be reporting my payments to the credit bureaus.