23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a loan with U.S. Bank for my XXXX XXXX. I downloaded the app to make payments and attempted to make payments on time every month, but due to errors with the app I was unable to make payments on time. Over the course of XXXX months, my payments were returned from XXXX separate bank accounts and I was charged a late fee for each failed payment. After noticing my payments had all been returned, I then linked my account to the app to make the payment and the same issue persisted. I was then contacted by US Bank for the first time, by the Collections department asking for payment and giving notice that I had been sent to collections effectively negatively impacting my credit score. I explained the situation to the representative and asked what could be done and she advised that all she could do was waive my most recent late payment fee and pass me on to either the dispute section or app section to attempt to rectify my issue. I filed a dispute with the dispute section but still have not heard anything back to this day. A week passed, I called to pay my debt in full over the phone after not hearing anything back from the dispute section about my complaint. When I told the representative that I was calling to pay my loan up to date, she asked " do you still have the vehicle? '' Of course, I was confused and she told me that my car had been placed on repossession. No notice, no communication at all had been given to me nor had anyone addressed my issue with the app, but they were planning to repo my car. I told the representative I'd like to pay everything up to date and start fresh with no issues. I was given a total, I paid the total and went on about my day. Then a week later, within the same month, I was called again by a representative telling me that I was late making a payment and had been charged a late fee. Apparently the last representative I spoke to only charged me a portion of my current bill, so I was assessed another late fee and behind again and still can not pay through the app.
Product: Mortgage

As part of our mortgage modification we sought the ability to pay our taxes and insurance independent of our mortgage in order to better manage our monthly expenditures. We communicated our desire to pay our own property tax and home insurance and not to have them escrowed to the relationship manager at the mortgage company people during the modification and trial payment process. Each time we were told that it could be arranged. This was important because it enabled us ( as we told the mortgage servicing company ) to better manage our monthly finances. During the modification process at no time did they state that this could not be done. 
We are now being told by the Mortgage Servicing Company that they can not allow us to pay our own property tax or home insurance ; and that it must be escrowed.
Product: Mortgage

Sent a QWR ltr beginning of XX/XX/XXXX with to this date no response. I would like to know the owner of my mortgage and who holds the note. I also have a discrepancy with my interest rate that was suppose to be fixed and it was raised when fay servicing took over. I never received anything stating new ownership! I also was working on and sent a settlement pkg. that fay servicing never responded too.
Product: Checking or savings account

I have a direct deposit with XXXX to pay my rent monthly, but since XX/XX/2023, I noticed that I've been charged by Wells Fargo Home Banking on my XXXX account. I contacted XXXX several times about been charged twice for my rent. XXXX told me that I was not have to pay the next month, but again I was charged twice on my account on XXXX, XXXX and XXXX.
Product: Mortgage

I have a mortgage with Freedom Mortgage and have flood insurance as part of my escrow. The flood maps were updated earlier this year and I am no longer required to have flood insurance. My flood insurance renewal came, and indicated as normal that Freedom Mortgage was going to pay. They did not. I received a cancellation notice on my Flood Insurance, and found that Freedom Mortgage did not and will not pay as " it is no longer required ''. I am fine with that policy, but they did NOT tell me they were not going to pay, and thus my flood policy went into cancellation status.
Product: Student loan

In XXXX the IRS informed me I owed taxes from XXXX plus fees and penalties for not updating my 1040 due to a canceled student loan. Since I had no knowledge of any loans being canceled in XXXX as I was attending graduate school at the time, I appealed to the IRS who replied with the usual boilerplate about paying my taxes on time. I tried to contact NAVINET only to be told they only collect medical debt. I contacted the US Dept of Ed who told me I had no loans canceled at this time. It is important to note that I was a victim of the XXXX XXXX breach. 

I finally reached XXXX XXXX, who I was told got shut down. They gave me a number for XXXX who told me I entered a contract for partial repayment of this private bank loan. Since I recently flied bankruptcy I had searched my records back to XXXX and found no evidence of correspondence with XXXX in XXXX, or ever, actually. So I attempted to file a fraud complaint. This was denied and I was told it was legal for them to have reported the unpaid portion of this debt to the IRS. They said in ANY partial payment in settlement of a debt the unpaid portion is taxable income. This is the first I'm hearing of this. 

My understanding is as a non - XXXX XXXX loan, it is a commercial loan and should be subject to the same laws as any other bank loan. As such, it has expired as it is way past the statute of limitations in both federal law and Virginia law. The call takers I spoke to were rude and repeatedly tried to change what I said on their recorded line. They refused to help me resolve this problem instead trying to get me to agree to pay the full amount. This is blatant fraud and a violation of the Fair Credit Collections Act or such. 

I would very much like to see this company shut down or at least penalized for this disgraceful behavior. The loan and the tax debt need to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report inquiries that I didn't approve of
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Credence Resource Management , LLC for their illegal debt collection practices in the State of New York. As per my understanding and thorough checks, Credence Resource Management , LLC is neither licensed nor bonded to collect debts in New York, which is required by both federal and state regulations governing debt collection. 

Nature of Complaint : Unauthorized and Illegal Debt Collection : Credence Resource Management , LLC has engaged in persistent debt collection activities against me without possessing the requisite authorization and legal standing to do so in the State of New York. 
Failure to Provide License Information : Upon request for their licensing information, Credence Resource Management , LLC has repeatedly failed to provide any evidence that they are legally permitted to collect debts in New York. 
Negative Reporting to Credit Agencies : This company has reported the alleged debt to credit reporting agencies, severely impacting my credit score and causing substantial financial and personal distress. 
Non-Compliance with Debt Validation Requirements : Despite my requests, Credence Resource Management , LLC has not complied with the FDCPA requirement to validate the alleged debt, which raises serious concerns about the legitimacy of their claims.
Product: Credit reporting or other personal consumer reports

As of recent my account shows past due and my credit has dropped drastically. I recent disputed the accounts XX/XX/XXXX because of my personal information being exposed. I have not received any updates from the disputed but now my scores are super low this is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a company. I am an informed consumer filing on my own behalf. 
***See Attached***
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization,  Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir, the credit bureau reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. I also want all non-account holding inquiries over 30 days old removed. Thank you.
Product: Debt collection

This was a surprise Bill and I had insurance. I am XXXX unemployed and was not given opportunity to provide financial assistance to you before it is sent to collections as required by Texas law. I have no idea what these services were but I dont believe they submitted the claim to insurance and if they did I believe they are balance billing in violation of Texas law and their contract with my insurer. I have never received a bill or been offered financial assistance. I am XXXX on food stamps and living in a residential facility. They should have notified me about this a long time ago and given me information about what I was being charged for what was covered by insurance and why I wasnt eligible for financial assistance
Product: Student loan

I got an email from my loan consolidator that my monthly payments are going to be changed because my " original loan servicer notified us that the amount we sent them to pay off your loans did not match the actual amount due. We have adjusted your balance accordingly. '' I did n't receive any information about which servicer sent this notification, how much my balance would be changed, etc. I paid over {$7000.00} in interest last year on student loans and my balance moved a minuscule {$1000.00} from {$110000.00} to {$110000.00} balance. Not to mention I receive no tax deductions for paying this interest.
Product: Debt collection

I have a debt with CB1 Collections Agency. I called and spoke with a representative on XX/XX/XXXX at XXXX XXXX trying to resolve the issue and pay the debt in full. She said she was unable to work with me and that she could not accept payment as they already filed in court. And that I would be served. As of XX/XX/XXXX, I have received no papers and they have continued to not allow me to pay the debt. They would like me to pay the fees for filing in court for a process server although I have never been served. This has now extended for two months and negatively affected my credit.
Product: Mortgage

I've tried to save my home I'm afraid since Chase denied me I may become homeless I need assistance working with Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

My TD Bank USA/Target Credit card is reported as CLOSED on XX/XX/XXXX to XXXX however it was XXXX  days late reporting closure on XXXX  instead of the prompt mandatory XXXX XXXX and FCRA required automatic reporting on XX/XX/XXXX. As oXXXX XXXX, this Closed account still has not been reported as Closed to XXXX and the last reporting was XXXX in willful violation of XXXX XXXX and FCRA protocols. TD Bank was required to report XXXX to XXXX on XX/XX/XXXX so it is now XXXX days late. XXXX was required to be reported simultaneously to every CRA on XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Product: Student loan

NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient reported 4 late payments to the credit bureaus for the months : XXXX and XX/XX/XXXX ; XXXX and XX/XX/XXXX. Note, I was and am on income repayment plan and my bill was and is $ XXXX. Certainly, I can not be late paying $ XXXX. I reported this to the credit bureaus- they said that they could not remove and only Navient could and Navient confirmed to them that I was in fact late those months and refused to remove the 4 late payments. I contacted Navient directly on XX/XX/XXXX - I spoke with XXXX who insisted over and over that I was not late and that Navient never reported my account late for those 4 months ( or ever ). I insisted that they did since it shows on my credit report and she said that they did not so this so they can't tell them to remove something that they never reported in the first place. I asked if there was a formal appeals process or any avenue to have them look into this and she said no. So, I am stuck with this on my credit report because they are denying the existence of it so I can't appeal something that they say doesn't exist. Can you please help me. They verbally confirmed that this wasn't reported and shouldn't have been reported so there should be some way for them to allow me to do a written appeal at the very least to Navient directly. Thank you kindly! : )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

NOTICED ERRORS AND VIOLATIONS MY ON CONSUMER REPORT DUE TO SAFECO UNLAWFULLYSELLING MY ACCOUNT TO A 3RD PARTY DEBT COLLCTOR WHOM I HAVE NEVER HAD AN OBLIGATION OR CONTRACTUAL AGREEEMENT WITH AND THE COMPANY CREDIT COLEECTION SERVE HAS REPORTED ON MY CONSUMER REPORT. THIS VIOLATES MY PRIVACY RIGHTS ACCORDING TO FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING, THIS ALLEGED DEBT WAS ALSO DEEMED UNCOLLECTABLE MORE THAN 120 DAYS AND IS ENTITLED TO DISCHARGE BY ISSUING OF A 1099-C. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT FALSE AMOUNT OF {$900.00} IS OWED. THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR AS WELL.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX  Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I previously disputed and successfully had the following fraudulent accounts deleted from my credit report : XXXX XXXX  ( XXXX ) and XXXX XXXX  ( XXXX and XXXX ). These accounts were removed from my XX/XX/year> credit report after multiple disputes. However, despite their deletion, they have now reappeared on my XX/XX/year> report. This repeated cycle of deletion followed by reinsertion demonstrates a clear failure to maintain accurate consumer reporting and a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ), a previously deleted account can not be reinserted unless the furnisher certifies its accuracy, and I receive written notice of the reinsertion within five business days. I have not received any such notification, which constitutes a direct violation of this requirement. Additionally, the failure to prevent the unauthorized reinsertion of these accounts violates 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. What makes this situation even more concerning is that only TransUnion has reinserted these accounts. As shown in the attached documents, XXXX and XXXX have not reported them, which further indicates that TransUnion has failed to ensure proper verification and compliance with the FCRA. The inconsistency in reporting among the credit bureaus highlights a lack of reasonable procedures and is causing significant harm to my credit profile. These violations expose the responsible parties to liability under 15 USC 1681n, which allows for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. The continued reinsertion of these fraudulent accounts is causing ongoing harm to my financial reputation. I demand the permanent removal of these accounts from my credit report to prevent further damage. Any future unauthorized reinsertion will result in additional legal complaints and enforcement actions. I also request written confirmation that these fraudulent accounts have been permanently removed and an explanation of the measures being taken to ensure compliance with FCRA standards moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on XXXX. 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 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 in month reported late to be removed. 

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  days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports