23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX Bayview do not combine this response with any other request do not send document that are not requested do not send copies of the mortgage do not send Bayview statements do not send a account history do not send frivolous documents not requested, send your response in writing as mentioned numerous time via USPS. 

In your Reinstatement Letter dated XX/XX/2018 attached send the breakdown of {$9800.00}, 1-specify each month the total amount due with the breakdown for principal, interest, escrow 2-identify the month amount of each late charges totaling {$250.00} 3-what month are you forecasting a late payment {$42.00} 4-breakdown of the other funds of {$250.00}
Product: Debt collection

Calling XXXX - 10 times a day bothering me at work also
Product: Debt collection

The apartment complex where I stayed from XX/XX/2017 to XX/XX/2017 said I failed to give them written notice before moving out. So they request that I pay them for the XX/XX/2017 rent and that I owe them {$300.00}. However, with interest, that amount has ballooned to {$390.00}. 
I have documentation that proves that I gave them advance notice of 30 days and that the apartment manager acknowledged that notice in writing. I sent I.Q. Data International all the information five years ago, and they still refuse to remove this adverse information from my credit report, Moreover, I even offered to settle this debt on the assurance that they would remove the information off my credit report. But they have refused for over five years. Furthermore, the statute of limitation has run on this debt in Oklahoma and they are unable to collect it through the courts. I need help getting this debt off my credit report.
Product: Student loan

I set up auto-debit for payment on my bifurcated student loans in XXXX 2017. When I checked back on my statements from the last two months, I saw that while the combined monthly minimum total from both loans of {$380.00} was still the amount I was charged, the allocation between the two loans was skewed to favor the lower interest loan. 

Under normal circumstances I am required to pay a monthly minimum of {$230.00} towards my 5.590 % fixed rate loan ( " Loan 1 '' ) and {$140.00} towards my 5.960 % fixed rate loan ( " Loan 2 '' ) for a combined total of {$380.00}. 

I am paid ahead approximately one year on Loan 2. Over the last two months, the allocation has put approximately {$50.00} of the allocation from Loan 2 into Loan 1 instead, i.e., MOHELA has been allocating ~ {$280.00} of my monthly minimum to Loan 1 and only ~ {$99.00} to Loan 2, eroding my paid-ahead status on Loan 2 and attempting to collect longer on the higher interest loan. 

I have called the company and they have promised to change my accounts, but my concern is that there are many people out there who would n't know to check the difference, or maybe they did n't borrow the money to get an accounting degree. In either case, I think it merits a look because I 'm sure there are others who have been impacted by similar practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX XXXXXXXX XXXX - Account # - XXXX XXXX XXXXXXXX - Account # - XXXXXXXX XXXX XXXXXXXX - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX XXXX  Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX - Account # XXXX XXXX XXXX - Account # - XXXXXXXX XXXX - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.
Product: Credit reporting or other personal consumer reports

I am a victim of both identity theft and XXXX XXXX  As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), lam submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which qualifies as XXXX  under the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following account. 

XXXX XXXX This account have been removed on XXXX and XXXX so Im not sure why this is still here. This needs to be blocked or removed from credit immediately.
Product: Debt collection

I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called XXXX XXXX XXXX ( " XXXX '' ) claiming that I owed several hundred dollars in credit card debt for a card open under Synchrony Bank. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with XXXX, I immediately called Equifax to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of them is informed of a fraud alert, the others are also informed ). I then called Synchrony Bank to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called XXXX back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a Banana Republic/Gap card issued in some kind of partnership with Synchrony Bank. On this second call, XXXX stated that I should send them any documents related to my contesting of the charges. So, I then called Banana Republic credit card services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific PO box in XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, XXXX also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was supposed to get a refund and some other stuff came up that doesn't look good.I need to make sure.
Product: Credit card or prepaid card

My bank sent a payment that would have brought all 3 of my Capital One credit cards current. Capital One just applied it to one account. I called on XX/XX/21 and the representative said they couldn't divide the payment up and apply it to all 3 accounts and would mail my payment back to me. I asked for a supervisor because the other 2 accounts were going to come due and asked if they could possibly freeze the accounts so I wasn't due another payment, interest, and late charges/fees. The manager said she would document the accounts since I was waiting on the payment to come back through the mail. The call ended while I was on the phone with her. I called today, XX/XX/21, because I noticed the payment was never sent back to me and that the other 2 accounts were hit with fees and another payment. I called and the guy said he didn't know why they couldn't have divided my payments since they do it all the time and passed me to his supervisor. His supervisor said the payment was sent out today and would take 10-15 days for me to receive it and there was nothing she could do about the other 2 accounts in fixing the payment that was occurring or the fees or late charges. She was unhelpful in helping me try to resolve the situation and said I could file a complaint if I wasn't happy. I mailed a payment of {$6000.00} that hit my account originally on XX/XX/21.
Product: Credit reporting or other personal consumer reports

These inquiries and creditors are not related to me in any way.
Product: Mortgage

Since XXXX My mortgage company ( PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has made repeated errors to my account. I switched XXXX XXXX XXXX as of XX/XX/2022. Since then my mortgage company has insisted I pay XXXX monthly on top of the XXXX they draft monthly. My new home owners insurance is much lower but they can not seem to understand what they are trying to do. Then they sent XXXX separate payments to my new insurance company, XXXX for XXXX and another for XXXX. It took me calling over and over to find someone that would help fix the problem. In the meantime, I sent in XXXX by check and marked it for escrow along with a letter stating the payment was for escrow. However, they took XXXX out of that check and drafted my XXXX as mortgage payments. I have called and spoken to a lot of representatives but it leads XXXX. My credit rating has dropped as well. I am a XXXX parent and care for my XXXX XXXX XXXX My budget goes to bills first and then I put extra down when I can. This company is totally out of controlling and should not be in the mortgage business. My loan was sold in XXXX to PHH and I have had nothing but problems since. Any assistance would be so appreciated. The company has never reached out to me with any type of notification as to what and why they are doing these things. I have not recourse as to who buys my mortgage, but they can ruin a person 's credit with no questions or responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has had the wrong address information on my credit file for months, and they have effectively made it impossible for me to change my address information. This is a significant issue because my wife and I have been trying to get a mortgage and this has been stopped at various points by Equifax 's error. ( The other credit agencies have the address right and have had no issues ) I followed Equifax 's procedures to dispute the address on my credit file, which required me to mail in photocopies of my driver 's license and passport to a XXXX XXXX XXXX They assured me, this would resolve the problem. 

It did not. Instead, Equifax changed the credit file of my father, who has a similar name. One potential issue they missed : my father has been dead for XXXX years. 

I know they changed his file because they sent a letter to my father at my current address ( the one I want them to change my address to ) telling him the dispute had been resolved. 

When I called in again, the agent told me I would have to send the documents in, despite the fact that I've already done this. She also indicated that she had no ability to escalate the concern to a supervisor, despite the fact that I had the confirmation number sent to my dead father that demonstrated the documents already been sent and approved. 

The only solution she claimed she could offer was for me to send in all my documents again. She said it was impossible for her to get anyone else involved or to even do any further research on the situation. 

I am not a customer of Equifax ( nor would I ever be, for obvious reasons ). We have no commercial relationship that I have consented to, and yet they hold significant power over my life and the life of my family. 

They are unaccountable and incompetent, and I think that's why they have no incentive to make this right. But I think there needs to be some way for Equifax to be held to account and that's why I'm filing this complaint with the CFPB.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Self/ Lead XXXX
Product: Student loan

i re-certified for the Public Loan Forgiveness Program through FedLoan Servicing this XXXX. It is recommended that applicants do this each year, so that when the 120 payments/10 years is completed, it will be easier for loan forgiveness to go through. 

On XX/XX/XXXX, I received a letter from fedloan title " Response to the Employment Certification Form You Submitted for the Public Service Loan Forgiveness Program. '' The letter stated that " [ i ] n the next few weeks, we will calculate and provide you with notification of : the number of qualifying payments you have made during the employment period listed above ; the total number of qualifying payments you have made during all periods of qualifying employment approved to date ; the estimated number of payments that are still required, and the date you are expected to be eligible to apply for forgiveness. I NEVER received this notification from fedloan.

The letter continued : " After we calculate the number of qualifying payments you have made, keeping track of your progression toward PSLF is easy. Log into Account Access. Check Your Monthly Bill. Review the communication that we send you each time you submit a new Employment Certification Form. '' As I never received the notification of number of qualifying payments mentioned above, I reviewed the next month 's statement. The qualifying payments seemed off. I downloaded the XXXX spreadsheet showing each qualifying payment. I wrote message to fedloan stating that I should have 56 qualifying payments, not 31 on XX/XX/XXXX. 

" XXXX '' from fedloan stated " We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' I responded to the email message on XX/XX/XXXX requesting the status of my qualifying payment inquiry. I was notified on XX/XX/XXXX by email from " XXXX '' that " The payment review is currently already in process to review the payments that are marked as not qualifying. Unfortunately, there is not a current estimated time of completion for the review. We'll contact you after we complete our review. '' That was the last contact I had from fedloan. I followed up with an email on XX/XX/XXXX requesting the status of the inquiry and no one responded. My qualifying payments on each statement now says 48 and does not increase each month. Today, I have made 57 qualifying payments towards PSLF, and each month my statement says 48. 

Today, I downloaded my XXXX spreadsheet of payments. I do this every month. My principal balance of my loan has now increased by {$230000.00} for no reason- no additional loans have been taken out, no compound interest, etc. There is no explanation for 1. why my balance has increased by several XXXX XXXX dollars 2. why it has taken months for fedloan to calculate my qualifying payments 3. why fedloan never contacted me, as stated in their XX/XX/XXXX letter, with the number of qualifying payments made and my estimated forgiveness date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to all Credit bureau to provide Method of verification and they never responded about that matter. I ask what certified documents were reviewed to conclude your investigation? Please provide me a copy of all information that was transmitted to the data furnished as part of the investigation as required by FCRA. Who did you speak with? What was the date? How long was the conversation? what was their position? All of these questions were on the letter I sent to all three credit bureau and they didnt respond.also show proof of Notice of reinstatement, Notice of sale, Notice of deficiency, and my signature. This credit bureau is reporting fraudulent accounts and inaccurate accounts.Credit reporting laws ensure that bureaus report only 100 % accurate credit information.Please remove these accounts from my credit report. This is Defamation of character .. 
CREDITOR AGENCY, XXXX XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX   XXXX XXXX XXXX VISA # XXXX CREDITOR AGENCY, XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX XXXX ACCT XXXX XXXX XXXX
Product: Vehicle loan or lease

This issue dates back to XXXX months ago around XX/XX/XXXX. I purchased the car from GM Financial off a lease. They provided a title with the incorrect XXXX holder and XXXX release. Months later, they sent a corrected title, this time with information on the back of the title stating that the XXXX XXXX XXXX exceeded it's mechanical use. This devalues the brand new car. They have stated they are attempting to get another duplicate title, but haven't provided this in 14 months. If this is not correct by XX/XX/XXXX ( XXXX months after we started this ), the current bank will raise the interest rate on the car to 18 % and GM Financial says they will not pay this amount even though this whole issue is their fault and their doing.
Product: Credit card

On XX/XX/XXXX I submitted a credit card payment Synchrony bank stated that my payment bounced and there was insufficient funds in my bank account so I resubmitted my payment and it went through that time on XXXX XXXX on XXXX XXXX. I got a notification from a third-party that they closed my account and they failed to notify me until XX/XX/XXXX, I have been trying to contact them to get information I have never once missed a payment and have always paid my payments early and have been a loyal customer. They stated they closed my account out because. Of that payment being bounced synchrony bank keeps hanging up on me there customer service doesnt know what to do. They cant get into my account. They cant give me any information. Their collections department cant get into my account either and cant give me any information I requested. all they keep saying to me is please make a payment and thats it. They are reporting it to the credit bureaus as a negative account now and this has affected me majorly and dropped my score XXXX points personally an emotionally affected me and affected me buying a home
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of all fraudulent, inaccurate, and outdated information and inquiries from my credit reports with XXXX, Equifax, and XXXX. Upon reviewing my credit reports, I have identified multiple entries that are negatively impacting my creditworthiness and financial health. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and seek its prompt removal. The discrepancies and fraudulent activities identified on my credit reports include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To substantiate my claims, I have attached copies of the following documentation : 1. FTC Identity Theft Report 2. Proof of my identity, including a copy of passport and social security card.

Despite my repeated efforts to resolve these issues directly with the credit reporting agencies and the data furnishers, the inaccuracies persist. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit reports.

I would appreciate a swift resolution to this matter and request written confirmation once the corrections have been made.

Thank you for your prompt attention to this serious issue.
Product: Credit card

XX/XX/year>, I sent an indorsed securities registered mail to Chase via the address listed in their prospectus located on the SEC website, under EX 4.R.2 4 ( see attached ). As an opportunity to cure ; Chase has now defaulted. 
Chase has asserted that they can NOT locate the securities that was signed for at their office on XX/XX/year>. 
I have provided Chase with the registered mail number and advised them that it was received on XX/XX/year>. 
Thus, Chase has lost the securities but has not discharged the debt according the UCC Article 1and has committed securities fraud. Additionally, per Chases prospectus under the replacement of notes states that they must cure. 
I have also attached the mailing address from Chases filings that correspond with the registered mail I sent ( see attached. ) Chase has committed mail fraud and securities fraud in which I will notify the federal agencies if Chase does NOT discharge the debt due to negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

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

I did not give them written instructions.
Product: Vehicle loan or lease

Cnac entered into a lease agreement that was over retail value for the vehicle, communication began about payments and dealer, director of CNAC continues threatening with no notice to repossess and harassing calls.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I would like to emphasize that I have not violated any PayPal policy. I have always used my account in compliance with the terms and conditions outlined by PayPal, and I have never engaged in any activities that could be deemed inappropriate or fraudulent. Therefore, I believe that the permanent limitation placed on my account is unjustified and unwarranted. 

I would like to kindly request that PayPal re-investigates my case thoroughly and restores my account if possible. I am confident that upon review of my account history, PayPal will come to the conclusion that the limitation was placed by mistake. 

I understand that PayPal takes its policies and procedures seriously, and I fully respect the need for security and compliance in online financial transactions. However, I would like to point out that the limitation placed on my account has caused significant inconvenience and has negatively impacted my ability to conduct my personal and professional affairs. 

I sincerely hope that PayPal will take my appeal into consideration and will work to resolve this issue in a timely and efficient manner. I thank you in advance for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]