23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter toXXXX, Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit card

Twice now, Chase has allowed someone at XXXX to charge recurring purchases to my Chase card, as well as have other purchases placed on it. I understand XXXX really likes this card being full, as it has the highest interest rate out of all my credit cards. So high in fact, I am currently being charged just shy of their maximum late payment penalty rate. I do find it strange chase would choose this rate for someone with my Credit, but I admittedly didn't pay attention when I applied. I was interested in the travel mile, and perks that generally accompany a card with a {$500.00} annual fee and exclusive club benefits. At the moment, I am really just interested in having something done about the fraudulent charges they allowed, have been notified of, but seem to have chosen to ignore.
Product: Credit reporting or other personal consumer reports

I filed a CFPB to assist with my concern of Navient reporting that I owe a student loan to the Credit reporting agencies. The company responded that they are not the appropriate company to address my issue. 

The credit report has Navient 's name. Thus, Navient is responsible to remove the incorrect information. Navient has sold the loan to XXXX and still reports the information under Navient. The loan has been forgiven under a Total and XXXX XXXX, yet it is showing up on my credit report under Navient. Because the loan was forgiven, a loan should not show in my credit report under any Student loan servicer, much less Navient, which no longer serviced the student loan. This is definitely the responsibility of Navient to remove Navient 's incorrect reporting from my credit report.
Product: Mortgage

I believe my mortgage servicer, Freedom Mortgage of Indianapolis, IN, conducted their annual escrow account analysis incorrectly and have attempted to collect a higher monthly amount than I legitimately owe. I spent one and one half hours on the phone explaining to their agents the source of the error but the agents on the phone clearly did not understand the analysis. Since then I have written two letters to them, detailing the problem but after taking two months to respond to the first letter and another month to my second letter, they still have not even attempted to understand or acknowledge the source of the error. In the meantime, they have continued to hit me with monthly {$130.00} late fees even though I have been making my principal, interest, and undisputed escrow payments in full and on time. The monthly escrow amount in dispute is only {$85.00} so it seems rather unreasonable to continue to charge {$130.00} late fees while they are taking as much as two months to respond to my letters. The letters are unsigned and I have not been put in contact with a named individual with contact information in order to have a chance at understanding each other 's positions. Now they are sending me foreclosure notices on my property. I am starting to think Freedom Mortgage intentionally scams their customers by artificially boosting escrow payments to help pad their bottom line. And then they try to bully them into compliance with foreclosure notices and submitting bad credit reports.
Product: Mortgage

I previously submitted a complaint regarding my mortgage from Fifth Third Bank that was sold to XXXX XXXX XXXX. My problem is still not resolved. My mortgage was sold to XXXX on XX/XX/XXXX. I made a payment to Fifth Third that was processed on XX/XX/XXXX. This payment of {$8000.00} was never applied to my principal balance. Fifth Third reported and closed my case stating they provided XXXX a wire transfer on XX/XX/XXXX. XXXX has closed the case stating Fifth Third had already applied the balance prior to sending the mortgage to them. Please see the following documents. My principal balance on XX/XX/XXXX was XXXX with Fifth Third. My starting principal balance with XXXX was XXXX. So who really had the {$8000.00}. Both parties have in the past verbally communicated the " we found the money ''. But it was never applied to my balance. Now both parties are blaming each other essentially and I as a consumer am stuck in the middle of their lies. How can they not track where the money went or track incorrectly where the money went? This was not a cash transaction. I am very disappointed that they have been manipulating the situation for months and even after a complaint, both parties are not owning to what happened and their stories do not match. Please help me get my {$8000.00} back.
Product: Debt collection

I received a phone call on XX/XX/2015 at XXXX XXXX from a case worker wanting to serve me papers named XXXX XXXX. He said it was from XXXX ( XXXX and XXXX ) at XXXX with a case # of XXXX in the California Court system. He also call me on XXXX at XXXX XXXX again saying I did not call the # he gave me. 

I called XXXX on XX/XX/2015 at XXXX XXXX and the person on the other end said it was from a Providian credit card debt and they were going to serve me court papers to start the collection process. 
He also said they were going to put liens on my home loan and auto loans if I did not work with them. 

This is an old non collectible debt the has past its statute of limitations over 4 years ago. 

When I explained that I understood my legal rights and the statute of limitations on old debts he got quite. 
I also stated that I did not believe that this was a legitimate case and that this was all untrue. 
He immediately got off the phone and hung up on me. 

All of these conversations were calm and collected in a professional manner. No threatening or rude behavior from either of us.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

while looking at my credit report and scores on XX/XX/2018 i noticed a past due on an account with XXXX. but no contact info was given for XXXX on the report nor a complete account number.This was on my Equifax report, the account shows closed XXXX blance and past due. I sent a letter to Equifax but could not send one to XXXX without contact info to challenge.
Product: Money transfer, virtual currency, or money service

I have used cashapp for years. When I first opened the account. I would have friends and family send me money and the funds were never available. I would call and there was no one to answer. I once called and had to give my information over the phone to someone. I never received the funds that were sent prior but the balances after started to show in my cashapp account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters and countless CFPB Complaints requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries that are reporting on my Credit File. These inquiries were never authorized and I never allowed anyone to use my personal information to inquire anything on the date shown by these inquiries. Under the FCRA section 605b, I am requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries completely from my Credit report. Im attaching the required FTC Report for Equifax and the bank 's records. Please remove these files. If Equifax feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature. If Equifax Credit Bureau do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following Items : XXXX XXXX XXXX XXXX, MO XXXX XXXX  date of inquiry XX/XX/202XXXX XXXX date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong addresses. precious wong name listings. As well as current name. Debt for student loan that has been paid since 2014
Product: Debt collection

We ( myself, my XXXX year old daughter and my old employer ) started receiving phone calls on XX/XX/XXXX regarding a past due payday loan that I don't recall having from XX/XX/XXXX. The calls were coming from a " process server '' saying that I was going to be served with papers between XXXX and XXXX XXXX either at my home or my work. My old employer was contacted three times as well as my daughter and myself. I did call the process server and got information on the company that set this up. The company is XXXX XXXX XXXX and they continue to call and leave messages on my daughter 's phone and mine even though I did call them back and asked them to discontinue the calls. When I called back they said that I had a loan that I owed for that they can now charge me three times the original balance and that the could charge me with check fraud. They have been scaring my daughter which upsets me. I have looked on my local district court website and there are no cases filed against me to even be served.
Product: Mortgage

On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my Hud Housing XXXX, XXXX XXXX, XXXX and emailed to Selene Finance on XX/XX/XXXX at the email provided on their website provided, XXXX. 

On XX/XX/XXXX, I received a notice from Selene Finance stating that they did not received any of my documents. On XX/XX/XXXX, I immediately contacted XXXX and an email was sent out to the assigned Loss Mitigation XXXX at Selene Finance that is working on my Loan Modification file, XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX, XXXX and XXXX. Since no response was received I reached out to Selene Finance by phone and added a formal complaint for non-responsiveness. That same day, I received a call from XXXX XXXX and she confirmed over the phone that all of my documents were received and that they did not need anything additionally from me in order to proceed. 

on XXXX, I received a letter from Selene finance dated XX/XX/XXXX where they are asking for the same items that they already confirmed on XX/XX/XXXX that they had. They additionally are requesting for an additional document XXXX rental lease of my second flr unit XXXX which I've advised on my hardship letter reasons of why that unit is vacant. 

It is now XXXX and Selene Finance has not reached out to XXXX my HUD XXXX and is not responding to any of my communication. I'm only in $ XXXX in arrears which is a very minimal amount in comparison to others. My HUD XXXX XXXX recommended I reach out to you in order to get a resolution on this matter. If you can kindly assist in reaching out to Selene Finance as the deadline to complete the XXXX Modification with them is XX/XX/XXXX and their negligence is keeping me from meeting that date. Anything that you can do to assist will be greatly appreciated. If you can review with them the following that would be fantastic : XXXX XXXX Why is it that my assigned Loss XXXX XXXX, XXXX XXXX, is not responding to emails or calls? 

XXXX XXXX Why did they confirm on XX/XX/XXXX that they received all of my documents and then proceeded in sending out a letter stating that the documents they confirmed they had are now missing? 

XXXX ) Can they kindly reassign me a new Loss Mitigation XXXX preferably someone by the name of XXXX XXXX who is incredibly knowledgeable of the Loan Modification process and who worked on the first loan Modification I had to undergo with Selene Finance? 

XXXX regards, XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX
Product: Checking or savings account

I had a deposit of {$500.00} post on XX/XX/2020. I also had a debit in the amount of {$110.00} post on XX/XX/2020. I was charged a {$38.00} NSF fee on XX/XX/2020 for an item posted and cleared on XX/XX/2020. When I spoke to the CSR, I was advised the debit posted at XXXX XXXX and the credit posted XXXX XXXX. I finally utterly appalling that they would not order the credit first to avoid causing the overdraft charge, I have accounts with XXXX XXXX XXXX and a credit union and neither have allowed this to occur. If funds are deposited in the account the same business day that transactions are posted, THERE IS NO NSF FEE! I find this practice unfair and unethical.
Product: Debt collection

I have seen on my credit report that I have two collection actions from First Financial Resources, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Ph : ( XXXX ) XXXX ). Both collections were purportedly opened on XXXX. 

I never received any notification from this creditor that I had a debt in collection, and I certainly never received notice that I could dispute the debt. These are both required under the FDCPA. I was also never given a chance to request documents on which they are relying on to prove I owe the debt, required under the Massachusetts Debt Collection Practices Act ( XXXX C.M.R. XXXX ). 

I acknowledge that the underlying debt ( from an ambulance service ) is properly associated with me. However, I understood this to be a matter for my medical insurance, and did not realize that payment would be sought from me. I dispute that I owe this debt at all. 

Furthermore, my credit report indicates that, except for XXXX months during the period XXXX - XXXX, the debt was in collection. However, the detailed information states that there has been " no data '' sent to the credit agencies for any month during this period.
Product: Student loan

I have worked for the XXXX XXXX XXXX XXXX XXXX, starting when I was XXXX XXXX XXXX. When I started working I was already in college and it took me about XXXX more years to finish due to unexpected kids, wife getting laid off, needing to work extra hours to pay the bills, and so on. I eventually made it though and graduated when I was XXXX. Due to having XXXX kids, low paying, jobs and struggling to pay bills I chose the lowest repayment plan I could to get by. I did this for about XXXX or so years until I decided to check into my PSLF status to see how close I was to get my loans forgiven. This is when I learned none of my payments counted towards this program. Not a single one of those 85 or so payments counted because it was not a qualifying repayment plan. Plus some of my loans were not eligible because they were FFELP loans. Doing some research it seemed there was really nothing I could do about it. So I decided since I have to start from zero might as well consolidate to get my various loans, particularly my ineligible loans, into one eligible loan. I applied for an income driven plan to make sure I was making eligible payments going forward. Amazingly the income driven was far less than the lowest plan I was paying for. My new payment was {$70.00}! How broken of program is it when I was making a combined {$350.00} payments a month for seven plus years and those don't count. Yet my {$70.00} payment does count? Right after I consolidated COVID hit and the payment pause took affect. Then the PSLF limited waiver came out and I immediately applied for it. With my seven plus years of payments and two years of payments freezes that still count towards payments I have to be real dang close to getting these loans forgiven. Excitement is in the air. I got a letter giving me a breakdown of my eligible payments and it only counted payments since I consolidated. My understanding is that payments before consolidation will count towards this limited waiver. I was told when you consolidate only the ELIGIBLE payments made before consolidation will count as part of the limited waiver. Seriously? I consolidated because I was told my prior payments didn't count because they were not eligible payments amd some my loans were not eligible. So I consolidated and got on the correct plan. So I was squared away and just had to make 10 more years of payments. This waiver comes along and because I did what was best for me at the time two years I am now screwed out of getting my loans forgiven later this year. If I had not consolidated two years ago my loans would be getting forgiven by XXXX. But because I was doing what I needed to do two years to get my loans forgiven down the road it made me ineligible for forgiveness now. Broken system. I just can't anymore. A person like me who tries to do everything right and I just keep getting screwed over.
Product: Checking or savings account

Money is being transferred from my chase account using XXXX. Dozen of calls and the issue continues. I closed the account and my second account now same issue. Money is being transferred out just on its own to random individuals. I dont talk to anyone or give access to anyone or no one calls me to impersonate it just happens. Changed passwords dozen times and problems continues. XXXX is not secured and continues to be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX  XXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Product: Money transfer, virtual currency, or money service

Hello! 
Most respectfully, It is stated that I am a professional XXXX. I do have a lot of International XXXX from different countries Nd i giving them assistance and XXXX them and getting paid from them on hourly basis so i got the paypal as the best and safest method for sending and receiving money. As I was a new user i didn't know about Paypal acceptable use if policy and they hold my {$420.00} XXXX Dollars for 180 days on XXXX XXXX, XXXX without any warning and Emailed that they don't longer want my business with paypal and i can not use it anymore. Even i referred Paypal to many students to pay me on this platform. On XXXX XXXX, XXXX I got paid from student around {$110.00} USD as friends and family and did dispute after that. I don't know why he did that and he blocked me and paypal took payment from me give him back and the total payment was of around {$300.00} USD and the student oaid me in 3 payments from different paypal accounts and after taking help he disputed all payments and paypal closed my account. It's only in sender hands whether they would like to oay as friends and family or with goods and services so what's my fault as he sent payment as friends and family and did dispute and i being a new user paypal screwed me up and closed my account and hold my payment and not even responding me. I am suffering a lot of headache and issues.
Product: Credit reporting 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 XXXX credit bureaus but I never received a response from them. These items must be validated by 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, MI, XXXX XXXX XXXX, XXXX, MI, XXXX, Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identifier : XXXX Date Filed : XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : {$30000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/2022 requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent accounts are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Bureaus have been neglecting to comply with the FCRA section 605b and chose to not remove the disputed accounts from my Credit report. Once again, please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX