23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech is a new name for the company known as Green Tree. Our mortgage on our home was nearly paid off at the time Green Treen took it over. My bank continued making monthly payments to Green Tree electronically depositing into Green Trees account with XXXX  XXXX XXXX. However Green Tree neglected posting any of our payments to our mortgage account.. We had requested they correct our acct and post our payments several times, at which they pretended at the time, not to have received any of them. Green Tree refused to give us or our banks any information on the payoff amount & tried to foreclose on our home instead. We were able to pay the entire mortgage amount again before they could foreclose. My bank " XXXX '' went through the procedure of tracing down 0ver 20 payments that were found to be deposited into Green Tree 's ( Ditech 's ) bank account with my mortgage account number on them. Ditech refuses to reimburse us the {$19000.00} they state they lost. They claim they need to find where they allocated our funds before they are able to reimburse us. I call them every 6-8mos. requesting they return our money, however they claim they are still unable to send us a check until they can correct all their errors. I have all receipts & letters from the bank showing all payments were made on time every month. I also have the payoff receipt showing they were paid a second time for the same mortgage, if needed I can send. Over 100 pages of documentation is available. I called XXXX bureau 2 years ago and told it was being investigated & had assumed it was corrected. I recently found out Ditech has since submitted another negative report to the credit bureaus under the pretense they never received payments and I still haven't received my duplicate payments reimbursement.
Product: Bank account or service

on XX/XX/XXXX I was a victim of fraud. Wells fargo bank is holding me accountable for fraud done to me thru a XXXX transaction and XXXX fraud check deposited into my account and funds later removed. I have filed complaints as to the fraud commited with bank and a police report. they still cali I did this to myself which I did not! Wells fargo reps have laughed t me over the phone and have reuined my credit closed my accounts and refused to return the money I had in the account and now want me to pay for the debt done to me! I did not use my card at XXXX nor did put XXXX bogus checks into my account. I need and demand action and getting nothing and no help
Product: Credit reporting

I am a victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent.
Product: Credit reporting or other personal consumer reports

Recently, I chec

ked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect 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 on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

ns 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, Experian and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had some fraudulent items going thru XXXX I called and I advised that I wanted my accounts to be on hold due to old buisness partner was trying to harm me, I called for some checks but I advised that all I wanted was to advised it was not me and I do n't want any refund at all, my account got frozen due that call, meanwhile my wife and I went to bank branch where most of the staff knows us due to our loyal and good reputation they called and semi reopened the account but XXXX of the bank associates thru that fiasco was making phone calls and re opening cases which we had no knowledge the extend that she was doing. Long story short my XXXX got closed and now chase is being closed my assumption for that reason. I never wanted anything besides protection and now I 'm going Thru hard time with my accounts closing when I never did anything wrong, I trusted the bank Personall that they where doing the correct protocol but it seems that they harmed me instead of helping
Product: Student loan

Sallie Mae is in violation of multiple policies. They continue to call me at work, on our main office number, although I advised them several times NO personal calls allowed. I've requested they remove my work number multiple times and to cease and desist my work number. They continue to call knowing my employer does not allow personal calls. This is against privacy policy, It's harassment as well as a violation. I have co-signed only on one loan with Sallie Mae ( in good standing ) but they keep calling me to collect on 4 different loans ( someone else 's loans ). They keep saying I cosigned for 4 loans which is false and that I owe them over {$1000.00} past due which is NOT true. This is causing me a lot of stress. My one loan, in good standing, is less than {$100.00} a month. They have requested several times for me to pay on 3 additional loans that are not in my name nor did I cosign for them. They need to STOP the violations, STOP the harassment, to START training their employees to follow Privacy Policy and to permanently remove my work number and all numbers ( except my cell ) from their system immediately as requested several times.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$110.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2022 Credit card opened in my name. False application. Bank of America {$7000.00} credit limit. 

XX/XX/2022 called Bank of America ( they closed account as fraud and sending me copy of application ) XX/XX/2022 set up 1 year security alert with XXXX XX/XX/2022 called XXXX and this is reported as fraud
Product: Credit card

I currently have a Capital One credit card. Recently, I was very ill, which resulted in a temporary loss of income, which resulted in my ability to pay my credit card bill for XX/XX/2024. The total amount of the bill that was overdue was {$8.00}. It was past the 30 days and Capital One reported the overdue payment as late to the credit bureaus. I have since brought my account current. I reached out them via mail and explained the situation and kindly asked them to remove the late payment reported on my credit bureau since that has a great impact on my credit score. They did not agree to do that, unfortunately, and stated that they reported accurately. Although it may be accurate, I feel that there are instances where certain situations allow forgiveness, especially since I have an impeccable payment history with this company and all other credit cards companies I have accounts with.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXXXX/XX/XXXXAccount number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$10000.00} Highest balance {$10000.00} Terms - On record until XX/XX/XXXX This account don't belongs to me, I requested deleting from Expriean credit bureau but was not deleted. please remove thanks
Product: Student loan

i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!
Product: Credit card

Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$130000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I was recently divorced and on XXXX it was finalized. Upon getting ready to do my taxed I found that my ex-wife went online to irs.gov created a idme.gov account and in XXXX of XXXX she had all money and letters sent to her and money deposited into her bank account ( XXXX ) at Flagstar Bank in XXXX MI. 
XXXX time only when I deposited a check we both received and signed it on the back and deposited it into her bank account it was sent back to us saying " PAYEE NAME NOT ON ACCOUNT '' She was told that we had to open a joint account Even after having the joint checking account money of our was still deposited into her bank account ( XXXX ) ONLY..?? 
She received checks in both our names in XXXX of XXXX or XXXX XXXX of XXXX and we went to branch and branch deposited all money in her account?? 
They asked where to deposit the money and I replied as the checks state My ex-wife said her account and that's where it went??? 
Attachments are only for federal tax returns and some stimulus money? 
I don't know how much she received for me from the state with XXXX having the kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  missouri XXXX XXXX XXXX XXXX removed immediantly. Collections accounts such as XXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Product: Credit card or prepaid card

My name is XXXX, XXXX the XXXX on case number XXXX I have been a loyal customer since XXXX never missed a payment and due to covid its been hard. I have asked for an additional assistance on having a fee waved and then making a payment since I was now able to make the payment unfortunately they stated even though we are going through a pandemic and people are having hardships there is nothing that can be done even after talking to a supervisor. I asked if there was a plan moving forward and only then was told they can only help with payments nothing more I also asked could they go over it with me. I never heard the plans of how they could help moving forward and my original issue was never resolved. I am very saddened and upset that they only treated me as a bill and not a person. Not only have I never missed a payment in all those years but I also sent numerous family members to the company. I use to love them but if they cant help during a pandemic Im not sure they are going to have people best interests at heart. I was told to also write in Mailing address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX which I did but I wanted to make sure I did this as well.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

Re : Debt Validation Request for Account XXXX, Dear Jefferson Capital Systems LLC, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on [ date you were contacted ] and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract.

2. Itemized breakdown of the debt amount, including any fees, interest, or other charges.

3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

4. Details of the original creditor, including their name and contact information.

5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. 

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

I found an inquiry on my report that do not belong to me. I also sent Transunion a letter from XXXX XXXX requesting the cancellation/removal of the inquiry.