23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have received several notices from Nelnet that my student loan account is past due, even though I have made two payments on time ; I have email confirmations from both payments, one made on XX/XX/XXXX, and the other on XX/XX/XXXX. I emailed them about this on XX/XX/XXXX and have so far received no response. I am currently on hold with their customer service department and have been for about an hour now ; everything I am reading from others who are trying to make payments on their loans confirms this. Nelnet is allowing interest to accrue on my loan while they aren't processing my payments. How can this be legal? They are a private business that made a contract with the federal government to handle my loans, and they are not handling them. They are not doing what they agreed to do.
Product: Mortgage

I am having a XXXX problem with Loancare Mortgage Servicing. XXXX XXXX XXXX XXXX XXXX, VA XXXX with regard to alleged outstanding late fees on my Mortgage Loan. XXXX XXXX XXXX for my XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Loan Care became the loan servicing company in XX/XX/XXXX. Starting in XX/XX/XXXX, and every month thereafter, XXXXXXXX XXXX has send an automatic payment in the amount of {$1200.00} monthly, which is the fixed monthly payment ( Principal and Interest ) for the life of the loan. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) The loan has not Escrow account. I pay my own insurance and taxes I have provided Loancare with all Insurance Documents, both from XXXX XXXX XXXX and policies I purchased and maintain. 

Loancare has assessed late fees to my loan even though every payment has been made ontime. 

On XX/XX/XXXX I called Loancare Customer Service to try and resolve. After an extended call with Customer Service, I was advised that they could not resolve the late fee issue. I was instructed to email XXXX to open case to research this issue. I emailed loancare on XX/XX/XXXX as instructed. ( Attachement B ). 

MONTHLY Statement XX/XX/XXXX ( Attachment C ) shows a Past Due Amount of {$1400.00} and a Late Fee of {$64.00} DESPITE EVERY MORTGAGE PAYMENT SINCE XX/XX/XXXX WAS MADE ONTIME. 

XX/XX/XXXX Loancare sent me a letter ( Attachment D ) that I have missed XXXX mortgage payment and my account is 40 days past due. They mention FORECLOSURE.
Product: Bank account or service

I made a student loan payment on time, received confirmation, but Wells Fargo says I did not pay for that date, even though I did, and the payment confirmation shows so. 
I sent proof to XXXX XXXX at the executive office over a week ago. But thus far, I have not heard back from XXXX XXXX, despite several emails and phone calls. 
Would you be so kind and find out why their own payment confirmations dont seem to be sufficient to proof that a payment for the due date shown was made. 
Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I logged onto the XXXX website and saw Collections from FMS Financial Solutions that I know nothing about that have negatively affected my credit score. I have been a victim of identity theft since XXXX and I made a report on XX/XX/XXXX at XXXX.
Product: Checking or savings account

{$1000.00} in XXXX chase accounts being held by bank. Cant access funds wont give money back
Product: Consumer Loan

Wells Fargo Dealer Services, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Insurance Coverage is obviously running some kind of scam on its consumers. My car was totaled in front of my residence while parked by a drunk driver. I had insurance and gap insurance however both insurances did not cover the entire balance of $ XXXX.The insurance failed to indemnify me and they also failed to disclose the nature of the gap insurance at the time of loan signing. It was my understanding that the gap insurance would cover the gap if an accident were to occur. Also, there was an insurance coverage offered by XXXX that was for the car which they are stating is non-refundable. I am not sure why they are withholding this {$700.00} upfront fee when it has not been used. I purchased this vehicle in XXXX 2015 and it was totaled XXXX/XXXX/2015. The {$500.00} balance, Wells Fargo is penalizing me for this and refused to lower my payments and/or refinance the {$500.00}. I am suffering the repercussions of fan accident that was not my fault. My credit is going t o be affected even after I ensured I was insurance to the fullest. I spoke with XXXX at the office of the President at XXXX XXXX-XXXX complain # XXXX and they are still unable to assist me as the consumer. The insurance companies have failed to serve its purpose, they have not indemnified me they have not made me whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Spoke to Equifax again, and no resolve, they state that the inquiries listed are factual, when they in fact have not. These are not my inquires and need to be removed. I have disputed over and over, latest Equifax Confirmation number : XXXX I have disputed these Hard Inquiries with Equifax, as I did not and they are still listed. Please remove inquiries from my credit report. Thank You XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed several addresses that were not correct on my credit report XXXX XXXX Equifax all can not provide proof I ever lived at that address I demand immediate removal. Or I will seek commercial liens against all 3 bureaus for violating fcra 15 usc1681 and violating 18 usc 242. I have recordings of XXXX bypassing fcra. With blatant refusal. All 3 bureaus are acting as cabal in concert to keep poor consumers in bad situations.. and I will not settle for anything less than the max. There is inaccurate information and I do have a fraud alert on my account... I will be sending each agency a Notice of intent to lein if not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies
Product: Mortgage

I have an XXXX [ rev.mortg. ] with PHH Mortgage Co. On XXXX I made a line of credit draw request of {$20000.00}. After about a week I started calling them asking where my funds were [ they were supposed to be wired to my XXXX checking acct. ]. I have called them every day for the past two weeks and getting a different answer every time. Three times I have asked to talk to a supervisor and was denied access to speaking to them. 
On XXXX I received XXXX wired to my XXXX acct., however I have been debited XXXX on my loan balance and have received only XXXX. I have contacted them on this discrepancy and have heard no concrete answers yet. Any help would be appreciated.
Product: Mortgage

JPMorgan Chase " owns '' my mortgage ( i.e., it is an internal Chase Loan ). This mortgage has been part of a mortgage forbearance program which, as of now, is due to end on XX/XX/XXXX. 
I have applied for mortgage assistance through JPMorgan Chase, as well as have applied to receive federal mortgage aid from the Homeowner Assistance Fund established as part of American Rescue Plan which became Federal Law in XX/XX/XXXX. 
XXXX Chase initially provided me with five ( 5 ) assistance options : 1 ) Modification 2 ) Forbearance Plan 3 ) Repayment Plan 4 ) Short Sale 5 ) Deed-in-Lieu of Foreclosure After further review, they informed me I was only eligible for the : 4 ) Short Sale & 5 ) Deed-in-Lieu of Foreclosure options. I requested in writing, but have NOT received, an explanation of why I wasn't eligible for : 1 ) Modification ; 2 ) Forbearance Plan ; 3 ) Repayment Plan I NEED to receive a full and complete explanation from JPMorgan Chase.

The Homeowner Assistance Fund in Texas will not start to be disbursed until XX/XX/XXXX ( which is after the current federal foreclosure moratorium date of XX/XX/XXXX ). I need to ensure my loan does not become endorsed for foreclosure after XX/XX/XXXX and prior to my receipt of federal funding pursuant to the American Rescue Plan. 

I believe the CFPB 's recent Final Rule, Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures ACT ( RESPA ), Regulation X, protects me from any possible foreclosure activity until XX/XX/XXXX. I have sought confirmation from JPMorgan Chase that no foreclosure activity would commence before XX/XX/XXXX and Chase has NOT responded to me. 

Finally, the CEO of XXXX XXXX Bank ( a competitor of JPMorgan Chase ), publicly stated at the United States Senate Committee on Banking, Housing and Urban Affairs Meeting on XX/XX/XXXX, that for loans they own ( i.e., like Chase " owning '' mine ), XXXX XXXX extended its foreclosure moratorium until the end of XXXX. It seems like Chase should easily be able to do the same for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ranlife changed my loan number and messed up the record keeping of payments in XXXX. Subsequently due to general negligence their original servicer XXXX reported lates, then Ranlife reported lates through the new servicer XXXX. 

We had no lates in XXXX or XXXX, My bank actually shows additional payments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through XXXX  XXXX was put on my trans union report. i called XXXX  XXXX right away and they closed down the account but trans union said they will not take off the hard inquiry without proof from XXXX  XXXX. XXXX XXXX says this is trans union responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX  acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX XXXX XXXX XXXX XXXX  that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the XXXX. A charge off is consider gross income according to the XXXX  and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life
Product: Credit reporting or other personal consumer reports

AGAIN THIS IS NOT MY DEBT : On [ XX/XX/2023 ], I mailed you a letter disputing [ inaccurate and/or incomplete information contained in consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following : ( XXXX XXXX XXXX XXXX ) Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and [ modify or delete ] the disputed information as I requested before the end of the XXXX-day period on the date on which you received my dispute letter. Here, you received my dispute letter on [ XX/XX/2023 ] ; therefore, your response was due on or by [ XX/XX/2023 ] -note : XXXX  days+ ]. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated [ XX/XX/2023 ], claiming [ XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ] Clearly, you have willfully failed to [ modify or delete ] the disputed information as I have requested. Instead of ( modifying/deleting ) the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ IT HAS BEEN VERIFIED ]. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of sud determination that complies with the FCRA. Furthermore, I directly dispute the completeness and/or accuracy of information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly [ modify or delete ] the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your [ modification or deletion ] of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of [ XXXX XXXX ]. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within [ 14 ] days, ( 1 ) [ modify or delete ] the disputed information as requested. 
Enclosures : my letter dated XX/XX/2023 ; cC : CFPB ; FTC
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FCU ( Finance ) XX/XX/XXXX, XXXX Never been in the military XXXX XXXX XXXX XXXX - I have never worked there
Product: Checking or savings account

I received a notification from cash app after the XXXX transaction was made at an ATM asking if I authorized this transaction I said no and immediately called cash app to file a claim regarding those unauthorized transactions because a total of XXXX dollars was taken from my account without my authorization and cash app continues to deny my claim every time I file a dispute regarding this issue stating that I made these transactions or authorized for someone else to make these transactions which is not true I did not make these transactions or authorize for someone else to withdraw money from my account
Product: Credit reporting or other personal consumer reports

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted TransUnion, and they assured me that these would be removed from my report, yet theyre still there.
Product: Vehicle loan or lease

I turned my lease in on XX/XX/2019. To the Hyundai dealer. On XX/XX/XXXX I sent the vehicle return receipt to Hyundai motor finance, XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX, to request an abatement on the property tax I paid. I sent in the plate return receipt on XX/XX/2019, I have talked to 4 people since then on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They say they have all the paperwork but nothing is updated on the system for a refund. The last lady I spoke with XXXX was very rude. She said it can take months to get a refund. That is unacceptable. I do not know what else to do. Please help. The personal tax I paid was XXXX. I know I will only get part of that back. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, PA XXXX -Recently XXXX I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts # XXXX XXXX XXXX - This account is being reported inacqurately, pleas remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of removing the last incorrect items from my account. Unfortunately, despite disputing every cycle for the past year, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info. I have also uploaded the correct amount that is under dispute to Experians online service several times to no avail. 

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Experian is similarly enjoined from reporting this information that is verifiably inaccurate. 

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ). 

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ). 

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). 

These are just the glaring examples. For goodness sake, free me from this unscrupulous agency and its illegal practices. Consumers are dealing with enough right now.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Account from Credit Reports.

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report that violate my consumer rights under federal law. Despite my efforts to dispute the information directly with the credit reporting agencies, the inaccuracies remain unresolved, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

The specific issue in question involves the inaccurate reporting of an account that I have disputed, yet it continues to appear on my credit report without proper verification. I have contacted the relevant credit reporting agencies, but the disputed item has not been removed or corrected. This failure to address the inaccuracy is a direct violation of my rights as a consumer under 15 USC 1637b, which mandates that creditors and credit reporting agencies provide accurate and timely information to consumers.

Under 15 USC 1637b, creditors and credit reporting agencies are required to ensure that the information they report is accurate and reflects the true state of a consumer 's credit history. This law protects consumers from being harmed by the presence of unverifiable or inaccurate information on their credit reports, which can negatively impact their ability to secure credit, loans, or other financial services.

The continued presence of this inaccurate information on my credit report is causing significant harm to my financial well-being, as it is negatively affecting my credit score and making it more difficult for me to obtain credit at favorable terms. I am requesting that the CFPB intervene in this matter to help ensure that my consumer rights are upheld and that this inaccurate information is removed from my credit report in accordance with federal law.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Sincerely,