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

I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.
Product: Debt collection

In XXXX I notice on my credit report that this company was reporting I owe them a debt. I reached out to the company on multiple occasions to verify the debt and explain to me what methods they have used to verify such. They have yet to send any of the information I requested and continue to report this Information to the CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX, XXXX XXXX & XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain negative items on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, credit reporting agencies and data furnishers may be held liable for negligent noncompliance with the law, which includes failing to ensure the accuracy and integrity of the information reported.

As required by the FCRA, if the disputed information can not be verified within 30 days, you must promptly delete or correct it.

Additionally, failure to correct or remove inaccurate information constitutes negligent noncompliance under 15 U.S. Code 1681o, which may subject your organization to legal liability. If this matter is not resolved, I am prepared to take further action to enforce my rights. 

Please provide written confirmation of your investigation and the resulting actions within the legally required timeframe. If you need any additional information, feel free to contact me at the information provided above. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,
Product: Student loan

I went to school from XX/XX/XXXX -- XX/XX/XXXX. I went to XXXX school at XXXX XXXX in XXXX. The school cost was 11,000ish, and after the grants we was to repay 6000ish back.It was a 10 year loan. We started making payments in XXXX to sallie mae. We have never been delinquent, but we have had a financial hardships. We have had 6 months forbearance a few times through out the loan. I believe it was in XXXX navient took over the loan. So I was trying to talk to navient, and they kept referring to the loan starting in XXXX. I have tried to tell them over and over, no this loan started in XXXX. My records indicate that I have paid XXXX towards this loan. Navient says I have paid 12,000ish just since I have been with Navient. That is not including what I have paid Sallie Mae. I have asked them to squash this loan. I have paid XXXX for a XXXX student loan!!! Oh it gets better, they say I still owe XXXX on the loan!! You have got to be kidding me! they want me to continue paying my XXXX until EVER!!! When its all said and done, even if I had the XXXX in cash to pay now. I would have paid {$23000.00}. Thats if I paid it off now, and I cant. So if I continue, your are talking about $ 30000ish for a {$6000.00}!! i am the sole provider to XXXX children!! I now own my own business and 5 of those XXXX children no longer live at home! This is simply unjust! I have asked for all the original records and pay history, and no one knows where it is! I wont stop until I get answers and this loan forgiven!
Product: Credit card or prepaid card

I paid my account on the XXXX of XXXX - Capital one did not credited the payment until the next day which result in a past due fee. This is not my fault, I need this fee removed from my account. This happens often with this company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1
Product: Mortgage

Freedom Mortgage found a {$610.00} surplus in my escrow account and sent a check payable to my husband and me. On XX/XX/XXXX I sent them a letter, certified copy of my husband 's XXXX XXXX, and the check, requesting that they reissue the check in just my name. Since then, I have called on XX/XX/XXXX ( XXXX ) and was told they'd get back to me on XX/XX/XXXX. Nothing. I called again on XX/XX/XXXX ( XXXX XXXX and was told they would do a direct deposit and took my bank information. Nothing. I received a letter dated XX/XX/XXXX acknowledging receipt of death certificate and condolences, but no check. I wrote another letter on XX/XX/XXXX restating all of this. No response. This is a VA loan, because my husband was a XXXX XXXX XXXX XXXX. Freedom bought this loan from XXXX XXXX, but it is impossible to deal with them.
Product: Debt collection

" Frequency or repeated calls '' is the box that I checked, but ironically I am having the opposite problem that most people have. 

I noticed that a debt showed up on my credit report as a delinquent balance. I do not recognize the debt. It is owned by " The Receivable Management Co. '' in XXXX, PA. I have received no communication from them. There is a phone number listed to call them on the credit report, XXXX. When one dials this number, and presses # as directed to speak to an agent, it places you in queue for 20 seconds or so, then rolls to voicemail, always, and without fail. 

The voicemail ( and the IVR ) for that matter identifies the company as " XXXX '' ( XXXX? XXXX? XXXX? ). I have left repeated voicemails saying that the company being identified as " XXXX '' is strange as I dialed the number for Receivable Management Co., that I do not recognize the debt, and that I would like for someone to contact me. 

They have never contacted me. I have received no notices via mail, and I have not received any return phone calls either. 

In addition to them being unresponsive on the phone, and there being confusion over their name, there does n't seem to be any website for them which I could find, either in search engine searches or via internet registry ( I work in IT, so I have additional tools at my disposal and still came up with nothing ). Also, calling the registered number for " XXXX '' which seems to be the closest match ( as they do outsourced call center etc. ) just rings and rings, with neither a person nor an IVR or system answering the call. The XXXX website only provides a " contact us '' form which I have not yet filled out. 

If there is a negative mark on my credit report which is in turn negatively influencing my credit-worthiness I believe that the collection company has some responsibility to be responsive. 

This is maddening, negatively affecting my credit score, and totally irresponsible. I would like for the CFPB to recognize ( this situation should be easily reproduced ) this issue I 'm having so that I can use the recognition to have this erroneous mark removed from my report via the credit bureaus, since there is no way for me to talk to anyone who claims to hold the debt.
Product: Debt collection

XXXX negotiated the debt with Boeing credit Union and paid it off in XXXX of XXXX. I get several calls a week from a company called XXXX telling me that they are calling because I owe Boeing credit Union which I do not. The settlement was for {$2500.00} and I have emails from XXXX telling me that my debts have been paid in full on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I did not receive any notification or mail regarding their reappearance.
Product: Payday loan, title loan, or personal loan

My last Payday loan was already paid off in person in XXXX XXXX CA. Check into Cash but about weeks later, the business took additional {$300.00} funds out of my account. Contacted the store and the corporate and they said they will reverse the fund but wasnt done after several business days : The General Manager never follow-through with email correspondence since last week and the staff said they cant do anything about it to reverse the funds when they were contacted. Thank you for your careful review and advocacy regarding this matter. 

With gratitude, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I emailed and sent letters to Experian regarding information their reporting on my credit thats not accurate such as names I go by and my birth year after my first email bringing this to their attention they sent me a stall letter I then sent another letter and they continue to send stall letters which is highly illlegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

To whom it may concern ; My mortgage was recently sold to a mortgage servicing company, named Gregory Funding, LLC ( gregoryfunding.com/contact ).

I found out that my loan had been sold when I tried to make a payment a couple of months ago. I was given no information about Gregory Funding, with the exception of a phone number. 

I had no information until a few weeks ago, when I received a certified letter telling me that I owe then nearly $ XXXX, by XXXX XXXX, 2021. I have created an account, using the loan number on the certified document, After logging into my account it tells me how much I owe and when it is due. However, despite both their contact page and hold greeting saying that I can, " make a payment online, 24 hours per day '' I am unable to make the payment, as my account says that the payment feature is disabled for my account.

I also attempted to call to make the payment but, as always, I sit on hold for over an hour.

Since then I have attempted to communicate with them the following ways : - Multiple phone calls to their customer service phone ( XXXX  ) XXXX, which for the first two months went to a busy signal. Since then I call and sit on hold for at least an hour until the phone call drops. 

- Sent multiple emails, using their contact form, requesting them to contact me. I have received no response either vis email or via phone, from Gregory Funding. 

- Sent a fax ( XXXX ) XXXX requesting to be contacted, for which I received confirmation it was sent. 

It is beginning to seem like they don't actually want me to make a payment because they have created multiple barriers, which prevent me from doing so. 

I am not sure what else I can do and really need assistance with this. All I know is without speaking to someone, especially the way this company operates, I am not going to mail this large of a check in their name and hope they receive it and process it. 

Thank you for any assistance you are able to provide. 

regards, XXXX XXXX
Product: Mortgage

I have not been able to get assistance from my mortgage company so I tried to hire an attorney to help me. My husband and I lived in this home together. When the pandemic hit my husband got sick and passed from XXXX in XXXX of XXXX. This reduced my income but also was very distressing. My lender put me on a forbearance plan and then took me off and raised my payment {$400.00}. I sent my attorney a third party authorization on XX/XX/XXXX. My attorney 's office called XX/XX/XXXX and was told to send in additional documents. We did and then my attorney 's office called again XX/XX/XXXX, again they were told that more information is needed. My lender refuses to tell the attorney what is needed, they will not send me an email explaining what they need. My attorney 's office has questions regarding the CARES act and my VA loan, mainly why did my payment go up after forbearance? My husband who is on the loan ( I am married to him and on the deed ) is now passed on, he can not sign or authorize anyone. I do not know why my lender is putting me in a horrible position. I lost my husband and now am afraid I will lose my home because my income was reduced but the payment were increased.
Product: Debt collection

This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I noticed a 30 day late payment reported for XX/XX/2020 which is incorrect. I had contacted XX/XX/XXXX for a forbearance and was granted it and was to receive a document to sign and return. Due to technical issues, I received the letter late but ultimately signed it and returned it. After calling, I was told that there is no payment history on their end being reported for XXXX & XXXX off XX/XX/2020 however I am showing a 30 day late payment after being granted a forbearance for XXXX and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing regarding my account with XXXX I acknowledge that the account was charged off Due to fraud and my information being exposed and compromised multiple account was opened and created in my name including XXXX account To help resolve this issue, I am requesting that you review the account history, provide any supporting documentation for the disputed transactions, and begin the process of investigating potential fraud. I am committed to working with you to ensure that this account is properly resolved, and any incorrect or fraudulent charges are removed. 
Please advise on the next steps in this process and let me know how I can assist in resolving this matter as quickly as possible
Product: Checking or savings account

Hi went to the Bank of America ATM to deposit {$3000.00} when I try to deposit the money to the ATM it was pushing the money back again and again I was counting and putting back to the ATM finally its accepted the money but there is a massage popes up on the screen saying there is problem with ATM enter amount manually to confirm amount then enter manually {$3000.00} but Machine gave me credit for {$300.00} only then I called the manager for help told them what happened they told me they dont have access to the ATM call the phone number on the receipt then I did call them they gave me credit for that I didnt know that is temporary I thought Im good but two months later I received a latter oh they are unable to pay the claim that I did for {$2700.00} because they didnt find any money from the ATM and they said I walked out with the from the ATM which is not true bank is lying on both sources billing and video from the ATM I called them they reopen the claim twice but I received the same answer I asked them to show me the video but they are saying they dont have access to the video and the ATM so whos have the access to the ATM and the video they told me I have to get the subpoena from the court if I want to release that video from them but courts have currently very limited service I filed for subpoena and small claims today but court employees said they havent processed any small claim over a year because of pandemic theyre not sure they are going to process my small claim or not Im really helpless right know I lost my {$2700.00} I need to get that money from the bank please help me out this was happen on XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX Tracking proof of delivery reciept sent to all three Credit Reporting Agencies. XX/XX/XXXX. see attatched FTC ID Theft case XXXX. I FOLLOWED FTC GUIDELINES TO NO AVAIL. Kindly Note CFPB XXXX-XXXX  submitted XX/XX/XXXX DISMISSED ISSUES. CFPB XXXX XX/XX/XXXX DISMISSED ISSUES. see attatched Letter Dated XX/XX/XXXX due to my XXXX & no on line access. REQUESTING ( ** Despite written requests the unverified still remain on my credit report in violation of Federal Law. You are required under FCRA to ** have a copy of the original signature creditors documentation on file to verify that this information is mine and correct. ) You have NOT provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verificatiion as required under SECTION 611 ( a ) ( 7 ). Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA - you are requied to ... .. promply DELETE all information which can not be verified.See attatched EXPERIAN RESULTS XX/XX/XXXX. I DID NOT REQUEST A BLOCK. Kindly Note EXPERIAN VIOLATES FEDERAL LAW. CLEARLY THEY DO NOT HAVE MY VERIFICATION CONFIRMATION ON FILE.Kindly note XXXX ACCOUNT NUMBER CHANGES Letter XX/XX/XXXX CONFIRMS account end XXXX XX/XX/XXXX confirms account XXXX AND NO FIX. I DID NOT OPEN THESE ACCOUNTS.
Product: Debt collection

The credit card company is still trying to collect on the debit after they sent me a 1099-C and it was reported on my taxes as income. However, they are still trying to collect on this debt and reporting it as open and late every month on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not authorize are showing on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple XXXX  issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

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

The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX   {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}
Product: Debt collection

I had an account that was Paid in Full ERC .I have been shopping for a home in the last 6 months an I had an ERC ( XXXX  XXXX XXXX ) XXXX account back in XX/XX/XXXX it was paid if full on XX/XX/XXXXand during that time, I was under the impress the account would be deleted from my credit profile. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have paid off all of my past dur accounts, and I look forward to buying a home this year. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative PAID account from my credit report.