23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I spoke with a representative with NELNET in regards to eleven " Late 120 days '' accounts currently being reported to credit bureaus in the amount of {$0.00} past due. She stated that my account has not been with NELNET since XX/XX/XXXX, however they are still going to report late payments for the next 7 years. It is XX/XX/XXXX and I am being penalized for consolidating my loans with a different servicing company. This is extremely unethical and unfair for someone who is paying their student loans on time monthly but is still being reported for a XXXX balance, for XXXX separate accounts, by a company who no longer has access to your account.
Product: Mortgage

After refinancing my home and closing with my new lender on XX/XX/2018, my former mortgage with M & T Bank was paid in full and funded on XX/XX/2018 In XXXX, I was notified by XXXX XXXX and my credit monitoring service that I had a derogatory/30-day late reported for XX/XX/2018 from M & T Bank I contacted M & T and asked them to explain because this was inaccurate. I have never made a late mortgage payment. M & T told me they marked my late because the received payment on XX/XX/2018 and that was 30 days after payment was due. I told them that did not make since and did not coincide with federal laws. M & T told me to file a complaint and they would investigate and get back to me. 

A couple weeks later, I received a letter from M & T saying they would not remove the derogatory mark from my credit report and they pretty much stood by the information stated to me previously. 

I also received a paid in full letter from M & T Bank stating my loan had been paid in full on XX/XX/18 ( attached to this email ) I filed a dispute with the credit bureaus and M & T changed some of the wording on my credit report but failed to remove the 30 day late from my credit report I worked with a credit reporting agency and had a conference call with my current loan officer, credit agency and M & T bank last week. In that conversation, the rep ( XXXX ) from M & T Bank said in plain language I never made a late mortgage payment and was on time in XX/XX/2018 because the loan was paid off on XX/XX/2018 After our conference call, the credit agency called M & T back and a supervisor ( XXXX ) said they would not remove the late payment from my credit report I have never made a late mortgage payment and I am disappointed with how M & T Bank is handling this matter. I am not in opposition of legal recourse if this matter is not remedied.
Product: Debt collection

I called the collection companies and told them that I had not received any written debt notice. They said to contact the medical office. Then I contacted the medical office and they said to contact debt collection companies. They are not cooperative at all. Nobody knows what to say. The medical office says to contact the debt collection office and the debt collection company says to contact the medical office.
Product: Credit card

i do not have time to even do thi.si was assessed interest by wells fargo where i have many accounts. 
i am writing this so something other than the system will help me. between medical bills, moving and my customership which is excellent i should not have to beg for XXXX dollar. i know it was refunded I also know if someone took the time they would see how i pay and keep my account. 
i do not expect to be put thru this. i want my XXXX back of interest., i will never sign a cc agreement with minumum interest charge again. I did not pay maybe XXXX doillas and now this. i do not have time or XXXX intactedness to spend time on this. i am tired of scripts. i will not use my card til this is addressed. scripts are great but getting to know customers is even better esp a good XXXX like me
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You re illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFBP is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Product: Mortgage

I received a delinquent letter from my County about my 2020 property taxes in XXXX, which was strange because when you review my online account with Dovenmuehle they show 2 payments. I investigated with the County and they have no record. I called Dovenmuehle 4x and they never offered to help or open a Support Case, finally I called my originating local bank and they opened a Support case on my behlaf and the only response was " it will be 5-10 business days to investigate '' ... .a month went by and nobody ever did anything. Now my local bank got involved and they can't get an answer. Nobody at Dovenmuehle will respond to call or emails. I've asked Dovenmuehle for specif dates and amounts and " cleared payments '' they will not provide. The only response I've gotten from Dovenmuehle is when I gave them a bad phone survey, they tried calling me 3x to talk about the survey, but not actually solve my problem. When I spoke to the Surveyor, he said " oh I can only help with the survey ''
Product: Debt collection

This is not my debt, I would like this investigated. They have been calling repeatedly from several different numbers then I've asked them not to contact me at all. It's been going on way longer than XXXX months which is illegal.
Product: Prepaid card

I have been a Rushcard holder since 2009! Recently I had applied for another card so that I can get my tax refund deposited on it. Well I have yet to recieve my card that already has my refund on it. It has been over a month and everytime I call the customer service they first of ca n't speak English and they apologize and cancelled the card that they claimed was sent and then issues out another XXXX card well they OVERNIGHT the card and of course I have never recieved my card nor money and this is my last resort. My husband aplied for a Rushcard after me and he has received XXXX and I have yet to recieve mine. I guess it 's because my card has money on it!!!!!!!!!!
Product: Student loan

My student loans got transferred from Great Lakes without my consent or notice until the day of. I had XXXX in student loans as of XX/XX/XXXX. I have record proof of this through email which I've attached. After the transfer from Great Lakes to Nelnet, the number jumped to XXXX. I was not able to get documentation from Great lakes about my payment history before the transfer, as I was unaware that this was happening. When I went to check my Greatlakes account after receiving the nelnet email, my great lakes account was gone. 

My number reflected XXXX on studentloans.gov before the transfer, and after, it jumped to the number that Nelnet added. Since XX/XX/XXXX, I have paid XXXX and my student loan is showing that my balance is {$47000.00}. None of this matches any of the documentation I have. On my credit report, it matches the correct original Great lakes number of XXXX that I had left in student loans. That number matches my first email from nelnet. 

Nelnet added to my student loans, gave my incomplete payment activity from Great lakes, and won't let me talk to anyone at Great Lakes because they said it was dissolved. I can't clearly see the payments I made to Great Lakes, even though I've been consistently paying on my loans since XXXX, 14 years now. 

Also, they won't provide any statements that show my incorrect starting balance with them. I can see the payments I made to Nelnet but I can't see how it affected the alleged balance with them. 

I should only have {$35000.00} left in my student loans. 

Furthermore, I got several notifications and documentation that my loans were " paid in full '' but then it came back. A " mistake '' like this is completely unacceptable. What Nelnet has done is add to my student loans, and provided false information on several accounts. I have talked to several other people who have had the same issue with nelnet adding to their loan balance, saying their account was paid in full, and then coming back. 

Also, I have a screenshot that said my last payment was {$7800.00} on XXXX/XXXX/XXXX, when I paid XXXX  on XX/XX/XXXX. None of these numbers match up. 

I need my balance corrected, all my payment history provided to me in a clearer fashion, and statements from both nelnet and Greatlakes. For all I know, my student loan might actually be less than XXXX with all that I have paid. Please help, I'm in so much debt and have been paying consistently for years. 

Student loans.gov also says I took out more loans than I ever did after the transfer to nelnet. 

Nelnet took over Great Lakes, they have all this information. My student loan should actually be less than XXXX with all that I have paid. They added money to my principal which means I've been paying more interest than I owe. I want all the money I've paid since the transfer to be corrected, which means even though I paid XXXX since the transfer, my interest should've been less, and that amount extra needs to be taken off the principal as well.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ experian ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XXXX ], I discovered discrepancies in the following account ( s ) : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3XXXX XXXX XXXX - XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Product: Debt collection

I have disputed this amount owed for almost two years. In XX/XX/XXXX I resided in a very shady apartment complex and was on a month to month lease. In XX/XX/XXXX I moved out of the complex and provided the management office with 45 days notice pursuant to my original lease agreement which was only for one year and expired in XX/XX/XXXX. I handed in my keys and moved into my house. In XX/XX/XXXX I received a notice from a debt collection company claiming that I had not provided 45 days notice prior to leaving and that I did not turn in my keys until XX/XX/XXXX, which is false. I never went back to that complex once I  left it. I also spoke to the management office several times from in the months leading up to my departure to let them know and to make sure that there was nothing else I needed to do. They are now claiming that I owe upwards of {$1500.00} and they kept my {$850.00} security deposit and put it towards the balance, so really they are claiming I owe closer to {$2400.00}. I 100 % dispute this. They refuse to assist me and they refuse to remove it from my bureau 's. This is abusive collection tactics at it's best. I have been told by one collector that I had a lawsuit against me, which I do not and one collector told me I lived in a state where one could be garnished. At this time no suit has been filed and I feel that the company portrays very abusive tactics.
Product: Mortgage

I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.
Product: Credit card or prepaid card

In XX/XX/2019, I received A line of credit for PayPal. Over the past several weeks, I have decided that I would like to close the account, however, when I called the number, it does not work. The number specified on the PayPal website is : XXXX XXXX XXXX.
Product: Debt collection

to whom it may concern, the following account was charged off. LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.
Product: Mortgage

I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to Equifax, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.
Product: Debt collection

contacted creditor and paid off {$54.00} that was owed in full.
Product: Debt collection

I am writing to file a formal complaint against Amsher Collection Services for their ongoing violations of my consumer rights as outlined under federal law.

Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Amsher Collection Services has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Amsher Collection Services has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Amsher Collection Services has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Amsher Collection Services has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Amsher Collection Services for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Amsher Collection Services Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

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

Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted EXPERIAN had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.
Product: Debt collection

Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report. 

Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.
Product: Debt collection

was contacted by individuals claiming i needed to settle a debt that i am unaware of and do not have showing on my credit at all. when i asked about the company they were with they stated they are XXXX XXXX XXXX XXXX and were representing Easy Money about a debt that they supposibly contacted me about but they would not send me any information and told me they would see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Midland MCM Collection Agency added a deragatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately