23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We 'd been making regular payments for a health expense since last year. Early this year, the payment checks sent were not cashed for months and the balance was not updated to reflect that. Bills were also sent sporadically. RECEIVABLE SOLUTIONS decided that this meant that we were past due and sent us a letter stating that our account would be sent to collections in 10 days. I had absolutely no confidence that even if I sent them a check, that it could be processed within the 3 business days ( when you subtract weekends and mail transit time ) because they have historically waited months. So I called before they sent the account to collections and they informed me I had to pay that day. They completely acknowledged that the checks were not always cashed in a timely manner by them, but refused to cancel sending the account to collections. So I paid the full balance right then to be rid of these people using my personal credit card instead of my tax sheltered HSA account, costing me about XXXX % extra. There was probably also an extra fee tacked on for paying by phone. 

I have a credit score of XXXX and have no problem whatsoever paying my bills. This company is using the threat of collections based on their own poor processing of payments. They have fully earned and deserve a harshly worded letter from CFPB telling them that a payer can not be considered delinquent due to the payee 's own slow payment processing.
Product: Mortgage

We applied and received a loan with Community Loan servicing in XXXX we paid {$370.00} something a month for a {$18000.00} dollar loan up until XXXX we paid well over the amount that we were loaned but, we were afraid to stop paying because of how it would affect our credit and also we were trying to help our children XXXX XXXX This company took advantage of us for many years and still they turned around and sold our information to XXXX XXXX who are also now claiming we owe them XXXX dollars. Please help us with this wrong doing these companies have done to us.
Product: Debt collection

- [ ] 22 U.S. Code 288a - Privileges, exemptions, and immunities of international organizations International organizations shall enjoy the status, immunities, exemptions, and privileges set forth in this section, as follows : ( a ) International organizationsshall, to the extent consistent with the instrument creating them, possess the capacity ( i ) to contract ; ( ii ) to acquire and dispose of real and personal property ; ( iii ) to institute legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently sent a letter to Experian letting them know I reached out to the 2 data furnishers on my consumer report to revoke and cease all communication. Experian has not removed these data furnishers and it's violation of 15 U.S. Code 1692c - Communication in connection with debt collection. In accordance with FCRA- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Hence from subsection ( B ) : Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Therefore these data furnishers do not have my permission nor my consent to even communicate through Experian as it states '' a debt collector can't communicated through third parties with permission from a judge or " my '' consent. I have revoked and ceased all communication.
Product: Credit reporting or other personal consumer reports

Certainly! 


I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent.

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I took out a private loan with  XXXX   XXXX  in  XXXX . It is now serviced by Navient. I am struggling to find a job and also a mother of  XXXX  kids with another on the way. I am having difficulty paying most all of my bills at the moment and my family and I have been homeless since  XXXX  of  XXXX . Navient calls me several times a week from various phone numbers. I have asked for leniency and also for some kind of income driven payment plan. All they offer me is for me to pay {$50.00} forbearance that will bring my account current but no other option s. Two days go t he representative threatened to garnish my bank account and paycheck and then asked me to ask my father to pay for my loan. He even mentioned my dad by first name. I am unable to pay this loan at the time and the only option I have is to default.
Product: Student loan

On XX/XX/XXXX of 2023, I applied for forbearance with Sallie Mae. I was approved for said forbearance and payments were made toward all four of my loans from the company ( that they refuse to consolidate ). At that time, they check both mine and my mother 's credit, affecting both of our credit scores negatively. 
We made payments toward all of the loans every month, but continued to get threatening emails saying that the loans were in danger of defaulting. I contacted Sallie Mae again on XX/XX/XXXX of 2023, and they once again said I hadn't been approved for forbearance even though my mother and I had been making payments in the agreed upon amount when we were approved in XXXX. They then said I had to make the payment in order to be approved for the forbearance in spite of being able to see that the payment for XXXX had been made in the same amount they were requesting for the forbearance. 
I told them I couldn't afford to make two payments of the same amount in the same month, and that I would pay the following month. 
My mother contacted them on XX/XX/XXXX of 2023 in order to be approved for forbearance ; they checked both my and her credit again, negatively affecting our credit scores for a third time. 
At that time, I received an email from Sallie Mae stating I had been approved for forbearance. When I called again in XXXX to make a payment, they informed me I owed way over the amount that I was supposed to pay upon being approved for the forbearance again, and then said I had used all of my forbearance even though I had just applied in XXXX and they continued to state that my loans were going to default. My account was never actually in forbearance, and they have not followed through on what they stated in an email sent on XX/XX/XXXX.
Product: Debt collection

Coast Professional has illegally reported to XXXX a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed immediately.
Product: Credit reporting or other personal consumer reports

Greeting these inquiries where made without my consent to pull my credit and violated the fairs credit act and asking for removal XXXX XXXX XXXX Date : XXXX Inquiry Type : Auto Financing XXXX XXXX Date : XXXX Inquiry Type : XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Credit Unions XXXX  Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX
Product: Mortgage

I recently became aware of the XX/XX/XXXX CFPB Enforcement action against Flagstar File XXXX.  I have the necessary documentation to prove that I was an " affected consumer '' under this action ( a copy of the Note from closing in XX/XX/XXXX and the assignment from when Flagstar sold my loan in XX/XX/XXXX ). I was never notified as required by this order. As a result, I was denied the opportunity to explore what modification options would have been available to me. 

I want a complete explanation of why my loan was not identified. I want a copy of my complete loan file. According to the enforcement order, Flagstar is required to retain my file until five years from the order date of XX/XX/XXXX. I also want a direct contact to deal with at Flagstar.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not 12.6K comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress
Product: Debt collection

I sent a letter of dispute on XX/XX/2018 asking for them to validate the account they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been verified as accurate. They have not responded at all to my request. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Validated Proof ( an original Consumer Contract with my Signature on it ) XXXX XXXX XXXX XXXX has on file of the account they claim I owe since I have never had an account with the company they represent and believe it to be a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax for three months about a fraudulent collections account. The last time I called to report fraud account was XX/XX/XXXX. I faxed over police report, FTC ID theft report, ID and tax information to show identity. I was told I would get a response to remove the collection in 30 days and I have not. Ive called back XX/XX/XXXX, XX/XX/XXXX, XXXX and Equifax claimed they never received any paperwork so I faxed it again. I would like this fraudulent account taken off and Equifax will not remove or follow through on the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Oportun {$3300.00} on XX/XX/22 and was told prior to making the payment that my credit reports would be updated as long the money is received by the XXXX. 
I called over 50 times in same day and staff doesnt understand basic XXXX. I was hold for 5 hours and kept getting transferred around. I asked for the address and phone number for corporate office the customer service refused to give me the information. I feel I am being discriminated against because I dont speak XXXX.
Product: Student loan

I contacted FedLoans Servicing this morning to deal with an issue of being locked out of my online account and was treated incredibly rudely by the representative. I use XXXX for my banking, and XXXX in the past has offered a service wherein it connected with FedLoans as a non-XXXX account to list my overall student loan debt on my banking page so that I could accurately view all assets and liabilities together. To accommodate this, I executed ( online ) a limited power of attorney giving XXXX access to my account. When I told the representative this, he told me that my authorizing XXXX to access this information constituted a security breach and that he should report me to the Department of Education, but that he was not going to in this particular instance. Whether the arrangement that FedLoans and XXXX worked out was proper or not, it certainly was not anything that my loan servicer should have blamed me for. When I finally was able to speak to another representative and supervisor, each proceeded to only tell me about the security issues and did not address my outstanding questions because I could not get a word in edgewise. They were demeaning and accusatory and were not helpful at all. When I was finally transferred to a supervisor at the end of the call, that supervisor was not receptive to my complaints with customer service. I wish that I could change loan servicers and am considering refinancing my loans through a private institution so as not to have to deal with FedLoans in the future.
Product: Money transfer, virtual currency, or money service

I am writing this complaint to formally acknowledge Zelle handling for their disputes and services. In light of the CFPB lawsuit highlighting important issues within the platform. Even when still using my Zelle account Zelle and my financial institution failed to investigate to my claim. They informed me that recovering lost funds was not something that they take care and there was no way of tracking these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

NETCREDIT XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX ( XXXX ) XXXX Ext.XXXX  This company pulled an inquiry on my XXXX report. I did not authorize this to be pulled and when I tried to call the company on XX/XX/2021 it was an automated system, When I got through to someone they hung up on me. I call 3 times before chatting online with XXXX. They told me to file a report and here we are. I want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Despite my previous efforts to resolve this matter, including filing police reports and FTC reports, it took a lawsuit for the agency to finally comply with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Recently, I settled a lawsuit against this credit reporting agency due to their failure to adhere to federal regulations. I had hoped that following this settlement, my credit report would accurately reflect the true nature of my identity theft, particularly since fraudulent accounts had previously gone unreported but later appeared.

However, I have encountered further issues. Upon contacting the credit bureau, I discovered they processed my request as a 30-day review rather than the mandated three-day period for deletion of accounts linked to identity theft, despite my submission of a new FTC report detailing the fraudulent accounts. This disregard for my status as a victim of identity theft is deeply concerning. 

The agency continues to ignore federal laws, even after the recent lawsuit, and has failed to delete the two XXXX XXXX accounts that are clearly fraudulent. Additionally, I have noticed discrepancies regarding my Social Security number that have not been resolved. 

It appears that the credit reporting agency prioritizes profit over compliance with federal regulations, and their representatives lack adequate training regarding FCRA laws, even within their supposed escalated fraud department. My intention in pursuing legal action was not financial gain but rather accountability for their actions. 

If this issue is not resolved promptly, I am prepared to file a second lawsuit and take this matter to trial. I believe this situation reflects a broader pattern of misconduct that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Equifax has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Equifax must provide me with a copy of the original contract signed by and obligating me to this debt. If Equifax can not provide such proof of debt validity, the account must be deleted form my report. Equifax has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Acct Name Acct # Status XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX Not Validated
Product: Checking or savings account

I received a call from someone who said he was a representative from my bank. He had my information. And scammed me out of {$1000.00}. the bank denied my request to refund it. 
I am a XXXX  citizen and live on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX and or XXXX. There is information on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transaction that are reported on my consumer report I am requesting that the reporting of this information be blocked and deleted. My request to block and delete is not made in error, nor is my request to block and delete the information made on basis of material misrepresentation the identified transactions are not made by me who is the consumer. ( 1 ) XXXX XXXX address XXXX XXXX XXXX XXXX DE XXXX : ( 2 ) XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX status : paid, closed XXXX written off ( this account paid ) and I would like for it to be removed off of my consumer report ( 3 ) XXXX XXXX XXXX account number XXXX account type : collection date open XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO : date open XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 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