23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted my loan company M and T Bank about placing a forbearance on my mortgage payments due to COVID, which are XXXX a month. They agreed to a 6 month forbearance but, when I asked that the payments be placed on the end of my loan, they said they could not do that. I mentioned that was an option under the CARES act, but they only said they could review my situation at the end of the forbearance period. 

When I asked if all my payments would come due at one time at the end of the forbearance, they said yes. I then mentioned that under the CARES act, that I could avoid that, but all they kept saying is that they would review the situation at the end of the six months. 

I am now in a forbearance plan facing an uncertain future about what I will owe at the end of six months, and the consequences of what will happen if I have to pay 6 mos of mortgage at one time. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$32000.00} XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX XXXX Owed : {$32000.00}
Product: Vehicle loan or lease

I financed a vehicle through Ally Financial auto in XX/XX/XXXX. In XXXX, I attempted to change the payment date online from the XXXX of the month to the XXXX. I cancelled the payment for the XXXX and made a payment for the XXXX. They took a payment for the XXXX and the XXXX. I tried to get a refund and was told it takes XX/XX/XXXX business days to send the info to another department and they have XX/XX/XXXX business days to send it to another department who has XX/XX/XXXX business days to send me a check. I contacted my Credit Union and made an unauthorized deduction report. The money was back in my account in 2 days. So, I refinanced the loan with my Credit Union and got a 10 day payoff amount. I went on line and made a payment for the balance the day after the refinance money was in my checking account. I waited for the money to be transferred for about 10 business days and nothing happened. I called Ally Financial and was told the payment was scheduled for XX/XX/XXXX. Why would I get a 10 day payoff amount and schedule it for 4 months later? The person on the phone said I needed to change the date and she would walk me through the process. I kept her on speaker and brought up the account online. When I tried to change the date, the calendar would not change. I had to close the online site and reopen it. And after another few attempts I was able to get the calendar to change. I then asked why the payoff amount was more and I was told there was a XXXX dollar a day charge which added to the balance. This is the most difficult financial group I have ever had to deal with. Why would anyone get a 10 day payoff amount and schedule the payment for XXXX? My experience times a few XXXX more means big money for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, equifax This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

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

On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through XXXX XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX  XXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a customer of Self with both a credit builder account and a visa credit card account. I have been consistent in paying my both account on timely basis until I felt sick due to the XXXX. I am a XXXX  worker in the XXXX XXXX XXXX and have worked all through the crisis covid in the XXXX XXXX  of a major XXXX in XXXX XXXX XXXX. I contacted the company and explained that I was sick in XXXX and probably missed the payment due to my serious illness. I was advised to write a goodwill letter by a gentleman that I spoke with with over the phone which I did twice. Twice, the response was by an automated machine denying my request. 
I have carefully revised my account and during the month of XXXX and XXXX 2020, payment was made twice each month and that should have covered payment for XXXX 2020. It is painful that Self is being insensitive to the plight of XXXX XXXX who has been consistent with payment until falling sick and will rather aggravate the health struggle with additional financial woe. 
I want the company to review my account and remove the late payment on my credit profile for the month of XXXX 2020. I also do not understand the various reversal of late payment between the month of XXXX and XXXX. 
The four payments I am referring to are for the following months XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 Thanks
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus : Here in writing to bring to your attention the rights of consumers regarding identity theft, both internationally and domestically. As per the Fair Credit Reporting Act ( FCRA ) 605B, consumers have the right to request the blocking of any information in their file that resulted from alleged identity theft. This request must be honored ASAP. Furthermore, it is imperative that upon receiving such a request, you promptly notify the furnisher of the information about the potential identity theft, the filing of an identity theft report, the requested block, and the effective dates of the block. While you have the authority to decline or rescind a block under certain circumstances, consumers must be promptly notified if their request is denied or revoked. It's essential to uphold these consumer rights. 

All dates, amounts and actions taken can be found in the FTC documents unloaded to this complaint.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) that all 3 credit bureaus block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the following remainig collections : 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 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

On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, Experian, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.
Product: Student loan

Made payments to interest that accrued while I am still in school. They show the payment was refunded when made but I have not been refunded and they still have the money. The payments are not showing up in my account and I am being charged interest that should not be accruing.
Product: Debt collection

Repeatedly getting phone calls from number XXXX with no VM. Looked it up it is another company who collects for XXXX. Have confirmed Via XXXX financial with a complaint thru this website that NO DEBT IS OWED. AND WITH XXXX. XXXX has told me there are multiple accounts with similar names/DOB 's to me living in California. I need them to stop bothering me please. XXXX is the phone number. Per XXXX company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was negatively affected by the XXXX data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( Experian, XXXX  and XXXX ) from charging the public to undo the harm to the average citizen 's credit they cause.
Product: Debt collection

Have told company via phone to only contact by mail ( have not received anything ) x5 times now, also have requested verification of debt letter have not received anything. Callers are abusive and once I informed them this is the 6th violation they have me on mute for 20 minutes now. Last call was today XX/XX/24
Product: Credit reporting or other personal consumer reports

hey furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f 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

The account with XXXX was default in XXXX. Convergent continues to report the account as being delinquent as late as XX/XX/XXXX as if that is the Date of First Delinquency but it is NOT and it should not be reporting with that origination date
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX  Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unfair Reporting and Failure to Adjust Credit Report Complaint Details : I am writing to file a complaint against AVA Finance Inc. regarding my account ( Account Number : XXXX ). I have had a negative experience with their handling of my credit report, particularly regarding two late payments that occurred due to financial hardship caused by the XXXX pandemic. 

In 2020, I experienced significant difficulties when I lost my job due to XXXX and was unable to work for four weeks. This caused me to fall behind on several bills, including my account with AVA Finance Inc. I explained my situation and requested that they remove the late payments from my credit report as a goodwill adjustment, given the exceptional circumstances.

AVA Finance Inc. agreed to remove one of the late payments, but despite their promise, they have failed to remove the second late payment. They have since stated that they can not remove it because the XXXX pandemic is " over, '' which I believe is unfair and unjust given the circumstances I faced. The late payment in question occurred during a time when I was out of work and struggling financially. 

I am requesting that AVA Finance Inc. follow through on their promise to remove the second late payment from my credit report, as it was a direct result of the unprecedented impact of XXXX. I believe they should honor their initial agreement and make the appropriate goodwill adjustment to my credit report. 

Thank you for your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PLEASE TAKE THIS OFF MY CREDIT REPORT THIS GOT PAID XXXX AGO THIS IS ON MY CREDIT XXXX XXXX THE COMPANY IS CLOSED BEEN ON MY CREDIT FOR XXXX!!!!!!!!!!!!! XXXX XXXX XXXX THIS IS MY RECEIPT TAKE OFF NOW I WILL GO TO ATTORNEY GENERAL OFFICE XXXX CALIFORNIA XXXX ALL SO THIS IS A XXXX  TAKE THIS OFF MY CREDIT REPORT XXXX XXXX XXXX  BAL= XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX REPORTED ON XX/XX/XXXX THIS IS A LIE THIS IS XXXX XXXX XX/XX/XXXX I HAD XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX THEN THAY HAD TO TAKE IT OFF MY XXXXXXXX XXXX  AND MY INSURANCE PAID THEM TAKE THIS OFF MY CREDIT REPORT NOW
Product: Debt collection

I started a dispute with National Credit systems on XX/XX/2021 and I was told 30 business days for a decision and update to be made. The date for it to be due was XX/XX/2021 and I have not received any updates regarding the dispute or a confirmation of the results. I have contacted them and they have been reluctant to provide additional information. They attempted to collect money from me while the dispute is open and the collection representative stated information about having law experience when I told them they were not following the guidelines put in place to protect consumers. They are not filling dispute guideline or the Fair Credit Reporting Act. I have been patient during this process but, I am currently in the process of applying for housing and this agency in reporting incorrect information.
Product: Mortgage

Selene Finance will not accept payment of additional principle with monthly payment. Pre payment of principle is authorized with a VA mortgage.
Product: Credit reporting or other personal consumer reports

Urgent Resolution Required for Inaccurate Reporting on Consumer Report I am reaching out formally to express my frustration regarding the lack of response from TransUnion on the CFPB complaint I submitted on XX/XX/year>. This complaint pertains to XXXXXXXX XXXX XXXX inaccurate reporting of late payments on my consumer report. According to Section 1637 ( b ) of the U.S. Code, these payments should not be marked as late. 

Despite the legal requirements, I did not receive a reasonable resolution within the timeframe mandated by 15 U.S. Code 1666b - Timing of Payments. As stated in this code, " 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 to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date '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 XXXXXXXX It has been 30 days since I filed the complaint, and I request that these late payments be removed from my account immediately, as they are causing significant harm to my creditworthiness. 

Thank you for your prompt attention to this matter.
Product: Student loan

To Whom It May Concern, I am writing to file a formal complaint against Navient regarding my private student loans that were taken out when I attended the XXXX XXXX XXXX XXXX in XXXX. The U.S. Department of Education has recently granted loan forgiveness to students who attended the XXXX XXXX due to widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. 

Despite the recognition of these fraudulent practices and the subsequent loan forgiveness for federal loans, my private student loans remain outstanding, and Navient is threatening legal action against me. I currently owe {$18000.00}. 

I have consistently tried to make my payments, but with the rising cost of living, my payments have become unaffordable for me and my family. I have paid them what I could afford and I reached out to Navient to request an affordable payment plan. However, their only option was to lower the monthly payment slightly, which still left the payment above the threshold I could afford each month. When I asked them to work with my term limits, they declined and insisted that I either take their only payment option or face litigation. 

During my last conversation with XXXX, a representative from Navient, I explained that I couldn't afford their proposed payment option and that I couldn't sacrifice my family 's necessities to make the payments. XXXX rudely cut me off, stated she wasn't going to argue with me, and said she would forward my case to their lawyers to take me to court before abruptly hanging up on me. 

This treatment is not only unfair but also disrespectful. I believe that Navient should take into consideration the fraudulent practices of the XXXX XXXX and work with me to find a reasonable and affordable repayment solution. 

I am requesting the CFPB to investigate Navient 's handling of my case, their refusal to offer a reasonable payment plan, and their aggressive and unprofessional behavior towards me. I seek your assistance in resolving this matter and protecting my rights as a consumer. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Product: Mortgage

This company sold my information after applying for a mortgage with them. I put in an application on XX/XX/2023 and immediately began receiving XXXX calls a day on my phone at my place of employment and also on my personal phone from various lenders across the United States soliciting my business. Upon looking into it further, there is a link in small print on the application stating that I do not want the lender to sell my information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX. ****Date Opened : XXXX. XXXX, XXXX Balance Owed : {$0.00} XXXX XXXX Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXXXXXX Bankruptcy
Product: Checking or savings account

Being charged overdraft fees without money in my account. Showing availability of money when it wasnt therefore causing more over draft fees.