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

Subject : Formal Complaint and Request for Legal Assistance To Whom It May Concern, I have been engaged in a prolonged struggle against these creditors for over many years. Throughout this time, I have identified and documented numerous illegal practices associated with criminal organizations operating within this sector. I will be providing detailed notices of these unlawful activities in the coming weeks.

I have consistently requested the issuance of a corrected 1099-C to address the inaccuracies present in my records. It is imperative to recognize that no dispute should ever be categorized as a duplicate. Each dispute is unique and warrants its own distinct resolution. The notion of duplicate disputes undermines the integrity of the complaint process and prevents the possibility of a fair resolution. 

Furthermore, I am deeply concerned about the apparent complicity of the Consumer Financial Protection Bureau ( CFPB ) in these matters. The lack of adequate support from the CFPB in addressing these issues is unacceptable. I am prepared to pursue legal action against the CFPB for their inaction and failure to assist consumers like myself. 

I hereby formally request legal aid and assistance, as I have substantial evidence of wrongdoing. The activities I have documented may constitute violations under the Fair Credit Reporting Act ( FCRA ), specifically regarding improper handling of disputes and potential racketeering under the XXXX Act. 

I am exhausted by the continuous evasion tactics employed by these corporations, which not only ignore my requests but also engage in fraudulent tax practices without consequence. It is imperative that the CFPB reevaluates their processes to eliminate the option for categorizing disputes as duplicates, which only serves to enable further evasion. 

Thank you for your attention to this pressing matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Navy Federal Credit Union in reference of a billing error. Navy Federal Credit Union failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Product: Mortgage

I have a mortgage loan with the PHH mortgage Corporation, their payment processing center is based in XXXX, PA. Their mailing address is PHH Mortgage Corporation , Mortgage Services Center , XXXX. XXXX XXXX, XXXX, PA XXXX. The problem is this I have been sending my payments each month in the form of money orders to this address and it always reached on time for the XXXX of each month and even before that. Recently as far back as XXXX, 2018, they started sending me late payment notices stating that my mortgage payment was late, and imposed a fee of {$31.00}, whenever they claimed it was late. However, I send in my mortgage payment by theXXXX of the previous month for the next month to ensure that it is on time. E.g. on XX/XX/2018, I mailed the payment from my neighborhood in XXXX, N.Y., for XX/XX/2018. I went to my post office to find out how long it takes for a letter to reach Pennsylvania from XXXX, N.Y., the clerk told me it takes 2-3 days for the most, and look how many days in advance I have mailed the payment. Also I include {$20000.00} extra each month to lower the principle, so I believe they are deliberately holding back my payments to give me a late charge! In previous times, they have taken
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act 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  has violated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states that a consumer reporting agency can not furnish an account without my written permission. 

As you can see above even with some of the accounts they show duplicates and the reports are not accurate at all. I am learning more and more about my rights and what can be done to prevent things like this from happening and affecting my credit reports unfairly. I have copies of the inaccuracies and asking you to remove these from my report since they failed to do the right thing. It's not right to be violated in such a way it affects my well-being and how I live and provide for my family.
Product: Debt collection

I contacted Spring Oaks Capital and disputed and requested validation of the debt. Spring Oaks received a certified letter on XX/XX/2021. Spring Oaks did not mark the account as disputed and violated my rights under FDCPA. I notified Spring Oaks gave them a copy of my credit report and requested deletion due to violation and non compliance. Spring Oaks received my certified letter on XX/XX/2021. Spring Oaks Capital have not complied with FDCPA and continue to violated my rights.
Product: Credit card or prepaid card

XX/XX/XXXX pymt mailed by bank deliver date XX/XX/XXXX Posted by company XX/XX/XXXX {$30.00}. late fee charged XX/XX/XXXX {$30.00} past due {$30.00} late fee charged XX/XX/XXXX Called {$30.00} refunded XX/XX/XXXX {$30.00} late fee charged called again could not give another credit XX/XX/XXXX Called again. Agent took paymt of {$230.00}, stated pymt would not go thru. She was very nice and did state she would credit {$30.00}. Took pymt of {$200.00}. Immediately check my bank account and both pymts were taken out of my account. Immediately called Comenity back. Was told they could not find the {$230.00} pymt, only {$200.00}. I got no where. 
Disputed with bank the {$230.00} which was returned to my account. Suddenly, Comenity found {$230.00}. Charged me {$30.00} for returned check fee. 
XX/XX/XXXX paid bank delivered XX/XX/XXXX which was due XX/XX/XXXX XX/XX/XXXX charging me {$34.00} late fee. 
I have paid this bill before the due date everytime. Seems as tho they hold on to payment until after due date so they can charge you.
Product: Credit card or prepaid card

American Express the interest and payment from one month to the other in XXXX when I became unemployed for 7 months. They tried to take to court because they were asking XXXX first and then XXXX  monthly when my payment was XXXX dollars monthly. I negotiated a payment arrangement through XXXX XXXX XXXX for XXXX dollars and American Express accepted it on XX/XX/XXXX. They have been receiving monthly payments and are reporting to the credit bureaus payed as agreed. I have disputed this recently and American Express keeps adding past due high amounts and XXXX payments. This goes against the Fair Credit Reporting Consumer law. I am a single mother with a XXXX XXXX   daughter. Stop the abuse and report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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
Product: Mortgage

This is a follow-up to a complain that was never resolved but somehow was closed. Complaint ID # XXXX I called Cornerstone Mortgage in early XXXX to get a modification started after a covid forbearance due to loss of income. I called again a week later to confirm that they had received my modification packet in its entirety which they said they had and it would take about 30-40 days for outcome. Then they re-directed me to be put on a deference due to an error on their part. I was told my streamline flex modification would then be expedited!. I have called so many times that I can not count and the reps state anything from " my loan was not currently started on for modification but has been accidentally closed!!! '' to " you are back on deferment '' to " we are working on your modification still ''. ( I am usually on hold 60 minutes to reach loss mitigation ) My single point of contact has no idea what is happening and patches me to loss mitigation. She at one point stated the request for modification has been closed and must be restarted. This is absolutely ridiculous. They have no clue what is happening. I need a resolution not a empty promise of a resolution. I have called at least 15 times since this started with no resolution. Again, this modification started in XXXX and it was confirmed that the package was complete. It is now the end of XXXX. I have no way to get in contact with anyone who knows what is happening. 4 months has past and I need someone from CFPB to intervene please. I am desperate.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I reached out to dispute the info to make the credit bureaus aware of balances that were incorrectly showing I am accruing interest on my student loan accounts in addition to erroneous late payments on my XXXX XXXX XXXX account. I submitted proof of the payments made via military allotment for my XXXX XXXX XXXX account, and cited the fact that I can not accrue interest while in school for my student loans. 

The credit bureaus proceeded to update very minimally the late payments to only a few for my XXXX XXXX XXXX  and update the balance as XXXX. Instead of correcting all of the erroneous late payments. 
For my student loans they only updated the balance to show the amount without accruing interest until XX/XX/year>, still allowing the balance owed to be incorrect.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed there were a number of fraudulent inquiries and addresses on my credit profile that I did not give my consent for. The fraudulent inquiries and address that I am referencing consist of the following Democracy XX/XX/XXXXXXXX, FL XXXXXX/XX/XXXX XXXX, CA XXXX XX/XX/XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting

I tried to obtain credit from XXXX. They informed me that my correct and current phone # is reflecting on my credit report. Since I have a fraud alert I was unable to obtain credit and had a hard inquire effecting my credit score. I have contacting the Experian on numerous occasions since XXXX 2016 informing them of the situation and they assured me that this issue will be resolved and my correct personal information will reflect on my credit report. This has not take place!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : American Express, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX, by XXXX on XX/XX/2022
Product: Credit reporting or other personal consumer reports

Experian is reporting a wrong address to my credit. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I purchased sports memorabilia from an ad on XXXX. After filling out all information I was charged. After I was charged I received no email, text, or confirmation from the merchant. I never received the merchandise. I filed a dispute with the credit card company. They resolved the dispute without issuing a refund. It looks like the fraudulent merchant did ship something via USPS and provided tracking number to Citi but whatever it was they shipped either did not make it here or they shipped something other than what was ordered to make it look like they fulfilled the order. The merchant did not confirm what they shipped or any other information. How am I, as the consumer, supposed to do anything here when the merchant provided no information of any kind after charging me and is now covering their tracks with a fake order?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

We submitted several loan modifications to Shellpoint and have been denied because we " have equity in your home '' We do not have equity. The BPOs done on the property are XXXX` drive bys '' We invited our mortgage company inside to see that the entire top floor ceilings are covered with mold due to our neighbor 's tree falling on it. They did not respond. We were recently denied again on XX/XX/XXXX, Shellpoin claimed to have mailed the denial letter on XX/XX/XXXX. but we have yet to receive it in the mail. It was finally sent via email and we see that there are many errors of the XXXX inputs. There was no option on any of the pages stating that we could appeal the denial, which we did anyway & sent to them via fax and email on XX/XX/XXXX. We sent Shellpoint requests for information on XX/XX/XXXX, no response yet. My daughter and I have been in this home for almost 40years and have enough income between us to pay a modified mortgage.
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX  FloridaXXXX XXXX , FL vicinity ). 

Thank you Chase for your XXXX and XXXX deferment grace period. 

We paid our Chase XXXX minimum payment of {$390.00} as requested. 

We are going to need at minimum an additional 1-2 month deferred minimum payment grace period on our Chase credit card ending in XXXX due to the extensive Hurricane Irma damage we sustained. 

Thank you. 

XXXX XXXX
Product: Credit card

Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXXXX/XX/XXXXXXXX I am writing to dispute the {$170.00} annual fee I have been charged. 

History : I opened my account with Indigo not realizing there was a {$170.00} annual fee. 

I made one charge to XXXX for the amount of {$90.00}. ( not sure exact amount ) Once I received my statement showing the {$170.00} I immediately paid my balance off and closed the account. I then asked to get the {$170.00} credited since I had only used the card for one transaction. I was told that it could not be credited back. I called back a second time only to be told the same thing. 

I then filed a dispute with XXXX. The next day I received a credit of {$170.00} on my account thinking it had been resolved. 

I received another statement and the {$170.00} was back on my account again. 

I made another call to Indigo and the gentlemen I spoke with apologized and said that he would credit this back immediately and that it was a mistake. I asked if he was sure because I was tired of dealing with this. He assured me over and over that it had been credited and that there should be no further issues Today, XX/XX/2024 I received another statement ( copy enclosed ) that show it had been charged again on tope of a {$30.00} late fee to add insult to injury. I called again and asked about this charge and also spoke to a supervisor. She said that it had been credited in error ( XXXX times ) and had been charged back. So I hung up and said that I would file another dispute through XXXX which I did today. 

I have never dealt with a company with such bad customer service and underhanded tactics. Saying one thing and doing another and even reversing course. 

Furthermore, it says the calls are recorded, but that they could not pull up any of my calls or records. So I am asking for a transcript of all of my calls and conversations from the beginning. It will be very clear what was promised by Indigo and what was not delivered. 

I asked that my account be credited the annual fee of {$170.00} plus the {$30.00} late fee plush the {$5.00} interest charge for a total of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter on XXXX XXXX 2017 to all three credit report agencies. Then I did n't receive anything back from them. So I decide to check the status of my credit report still the same account is still say it delinquent when I paid thru XXXX cancelation of debt form I receive from Bank of America. I call Bank of America and they said that they are working on it since XX/XX/XXXXI have not received update from them it seem they are not listening to me. I am trying to purchase a home and the underwriter will not process the loan until this get resolve.
Product: Student loan

Dear Sir or Madame, I am submitting this complaint regarding an issue that has significantly impacted my ability to access my student loan information. Recently, I became aware that access to the U.S. Department of Educations ( DOE ) system was restricted due to actions allegedly taken by Elon Musk or an entity under his control. As a result, I have been unable to retrieve essential information related to my student loans, which has directly caused delays in processing my income-driven repayment application. Due to this delay, I have accrued additional interest on my loans, increasing my overall debt burden through no fault of my own. I respectfully request the following actions : Immediate restoration of access to my student loan information.

Financial relief in the form of reimbursement or cancellation of the accrued interest caused by the delay in my IDR application processing.

Reversal of any late fees or penalties that may have resulted from the restricted access.

Investigation into the cause of the restricted access and whether this violates my rights under FERPA, federal loan servicing agreements, or other relevant regulations.

Assurance that future access to my loan records will not be unlawfully obstructed. 

Please confirm receipt of this complaint and provide guidance on the next steps. I appreciate your prompt attention to this matter and request a formal response outlining how you will address this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, notified me 21 days before with a statement, a copy of the creditor 's payment ledger, As a consumer, by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for the violation of my right in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. 

Here is the law code for reference : 1666 ( b ) billing error- ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL. I AM WHO I SAID I AM. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW THAT YOU ARE NOT DOING YOUR JOB.I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES,