23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Payments for student loans begin this month, and we were told that 21 days before payments, we would be given a payment date and amount from our servicer. 

However, this is XX/XX/XXXX and I still haven't received any of this information. On my account right now, the payment date is blank and the payment amount is still {$0.00}, despite the account accruing {$1100.00} worth of interest already. 

I contacted the servicer on XX/XX/23 and they said they would respond in 3 days and they still haven't gotten back to me. I've called them multiple times, however their lines are so busy that I've been on hold for over an hour, gotten disconnected, and thus haven't spoken to anyone. 

I would just like a payment date and amount, please. If not please transfer me to another government provider who can handle this.
Product: Debt collection

We called the main lender and they said we dont have any open accounts that are past due or in collections. The lender was why not lease it
Product: Debt collection

I dont owe XXXX XXXX or XXXX  this much money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX and XXXX  distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Product: Credit reporting or other personal consumer reports

It was my XXXX  year in college when the school closed down and wasnt allowing students to transfer their credits to maintain proper education and was forced to play student loans even after the XXXX XXXX was in {$53.00} XXXX dollars worth of debt and still closed down in XXXX. My rights were violated by not providing me the proper opt- out disclosure.
Product: Debt collection

Collection agency Helvey & Associate in XXXX XXXX XXXX XXXX XXXX, in XXXX ph XXXX XXXX Has reported a debt under my name with a different address and phone that belongs to somebody else in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Phone number XXXX These peop! e took my identity please help me find out and take action ....
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I did not authorize for my information to be used or shared to create fraudulent accounts. Please remove immediately as I have the legal right to an accurate credit report and by law credit bureaus must report with maximum accuracy. 
Furthermore, I have never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; My legal name is XXXX XXXX, please remove any other variations of my name or address as they are inaccurate.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is XXXX. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

Loan : XXXX PAYMENTS : We made 3 payments to HomePoint Financial in XXXX to get caught up on the forbearance payments, The balance should be {$2000.00} ( {$1000.00} balance due and the XXXX payment of {$1000.00} ) however three statements were sent in XXXX with a balance amount of {$4000.00}, {$3000.00}, {$2000.00}? HomePoint Financial needs to get it together. I want a statement reflective of the accurate balance of {$2000.00}. We are paying XXXX in XXXX and expect a zero balance statement. 

{$4000.00} balance XXXX {$1000.00} payment XXXX {$1000.00} payment XXXX {$1000.00} payment ESCROWS : The escrow balance was negative - {$1500.00} and mortgage payment is going up {$300.00} as a result in XXXX. A subsequent escrow statement sent XX/XX/XXXX reflect a XXXX with a mortage payment increase of {$430.00}. Both escrow statements are listing both insurance policies in the amount of {$1300.00} however when we called HomePoint on XX/XX/XXXX they stated a payment was made on XX/XX/XXXX to XXXX in the amount of {$780.00} for our property insurance which they have listed as Wind & Hail. On XX/XX/XXXX they paid XXXX XXXX XXXX {$1300.00} which they have listed as our property insurance but in fact its our Wind & Hail insurance. Last year, HomePoint Financial sent a check to XXXX XXXX XXXX XXXX XXXX, an unknown company that has no relation to XXXX or XXXX XXXX XXXX in the amount of {$1300.00}. They told us to call the XXXX  XXXX XXXX XXXX when they made the mistake to inquire on a refund. 

Homepoint said this was a clerical error made at origination. I need an explanation on where that payment is? Was a refund or stop payment placed on the payment that was made to the unknow company? Were those funds applied back to the loan? We refinanced this account a year ago and there should not be a negative amount or such a huge discrepancy. Additionally, knowing you paid {$780.00} and {$1300.00} why would you have them both listed at {$1300.00} for the XXXX escrow statement. If this is a result of your mistake then your company needs to own up to it. I have an email attached that was sent to HomePoint Financial requesting research be conducted on this insurance issue under RESPA and received no response. 

CFPB needs to look into HomePoint Financial practices of escrows, payment application, forbearance payments, modifications without notifications. We are also pending a response on the Deceptive and Abusive practices of increasing payments and interest rates without borrower notification. This company should be investigated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, on behalf of a non-profit organization, I opened an account with XXXX for processing credit/debit card payments. I purchased a device, called XXXX XXXX XXXXXXXX XXXX from XXXX and got it connected with the new account we opened at XXXX. 

On XX/XX/XXXX thru XX/XX/XXXX we used the card reader and accepted credit card payments totally {$4900.00}. 

On XX/XX/XXXX, I received the following email from XXXX : Unfortunately, after a full review of your account, we are unable to provide your business with our services. This decision was taken in accordance to Part 16.1 of the XXXX  Terms and Conditions which you agreed to during the application process. This can be found at XXXX XXXX XXXX 

On XX/XX/XXXX : I called them to inquire if they need any additional documentation, and the reason of their denial. They said, they CAN NOT GIVE ANY REASONS, it is their final decision. I asked them to deposit the money collected into the bank account of the organization that I had given while opening the account with them. I also noticed my access to my account at XXXX had been BLOCKED. 

Then on XX/XX/XXXX, I get an email from them with the following message : After a full review of your account, we are sorry to inform you that we wont be able to provide you with our services. This closure is in keeping with Term 16.1 of our Terms and Conditions, which can be found here : XXXX XXXX XXXX. Due to the rules and regulations of our financial industry partners, we are unable to disclose any additional or detailed information as to why a specific account is closed. Because of this, our decision is final and there is no appeal process. Regarding the current transactions pending on the account, we can either refund the remaining balance to the cardholder or keep the funds on hold for 6 months. Please reply directly to this email with your decision. 

On XX/XX/XXXX : Within a few minutes of receiving their email, I replied saying : We have already sold goods, so please deposit all the collected money into our checking account. 

They have not replied to my email. I have called them twice and they keep saying that they can either refund the remaining balance to the cardholder or keep the funds on hold for 6 months. I repeated asked me that we have sold the goods, and we need to get the money. If they need any additional documents, we can provide. They are NON-RESPONSIVE and NOT GIVING us the {$4900.00} collected. 

On XX/XX/XXXX : Not having received any response to me email, I called them again and spoke to XXXX and told her we need the funds credited into the non-profits bank account, otherwise I will report to government agencies. She was going to check with her team and get back to me in an hour. But have not heard back from her or anybody. I had told her that we have sold goods, and we need to get the money. If they need any additional documents, we can provide. They are NON-RESPONSIVE and are NOT GIVING US the {$4900.00} collected. I notice on XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX that other people had similar issues with this company.
Product: Mortgage

I have a mortgage with WELLS FARGO that is in BANKRUPTCY. I have complied and made all of the payments on time for almost five years. I made arrangements with the taxes and was making monthly payments on my taxes on the home. The home is a reverse mortgage. I paid the loan off. Wells Fargo stated that they paid my taxes without my knowledge and added thousands of dollars more than I owe. They are trying to make me pay XXXX dollars a month on my Bankruptcy. I am already paying XXXX a month and is almost done with my Bankruptcy. I never asked for my bankruptcy to be modified. This is all being done behind my back and without my knowledge. PLEASE HELP ME. THIS IS WRONG!!!
Product: Student loan

My wife and I had been with XXXX and had XXXX student loan payment under the XXXX plan. She was put on the XXXX program ( though her payments is over XXXX what she was supposed to pay ) and I was put on the XXXX plan. Since XXXX was shut down, I can no longer access those records to prove this. Please help!
Product: Debt collection

Portfolio recovery has repeatedly called me, Calls me twice a day every day. I tried answering the phone a few times but then no one talks. I have asked them not to call me. Here is an example from my call log. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX ORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sun. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sat. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 6s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and found some accounts and inquires I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX XXXX XXXX  Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

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

I have a lot of accounts and inquires on my consumer that are not there as a result of effort. I am resubmitting this report because the credit agencies are stating I did not send proof of identity, and the identity theft report submitted with the last complaint don't look real. So, I am sending proof of identity on this platform so there should be no excuses on why the items are not removed.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with citizens bank. I paid the loan off early. I did not cancel the automatic payment since it stated the next payment was due in XXXX. I figured if there was extra interest. Citizens took {$550.00} out of my checking account. I went to the branch and the manager was very rude and did not provide any help. I have contacted citizens multiple times getting different answers. They told me a check could not be released until XX/XX/XXXX After speaking to a manager XXXX, i was told a check was mailed out and they would have ti cancel it ands reissue after it was canceled oddly enough 2 checks came in the mail one dayred XXXX with had and post mark XX/XX/XXXX and another one dated XX/XX/XXXX same post mark I was then told the checks would be XXXX XXXX to me and and XXXX would call me back with tracking that was on XX/XX/XXXX As of today XX/XX/XXXX i have not received my money or a phone call with the tracking number I called XX/XX/XXXX spoke with XXXX would not answer any of my questions because another manager was in charge of this case its almost been almost a month and i am no closer to getting the money that is owed i am at a loss {$600.00} is a lot of money and true hardship Can some please help me
Product: Vehicle loan or lease

Santander was my first auto loan distributor and when I got a car through XXXX XXXX, Santander was paid the remaining of my balance I owed in full. On my credit report Santander still shows up as a potential negative inquiry and I thought Santander would be deleted from my credit history once they were paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit card or prepaid card

I had a payment due XX/XX/XXXX. I paid it in the evening ( local, Mountain Standard Time ) on XX/XX/XXXX. The payment processed XX/XX/XXXX, and Bank of America charged me the late fee of {$39.00} on XX/XX/XXXX. I called to request the fee be waived, and they declined. I believe this is an unfair and possibly illegal practice to charge the fee BEFORE checking to see if a payment has been made. Had they processed the payment first, the fee would never have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 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 instructions 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. XXXX. # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF EDXXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company cleared partial information. Leaving inaccurate names and addresses. Unauthorized Inquiries. My Information was also Breached. I have listed the information that is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

my bank set up a living trust account without my permission. alot of money was taken without my permission. someone else was abusing my account
Product: Debt collection

On XX/XX/XXXX I received two letters in the mail from the same company stating, Debt Recovery Solutions , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. It goes on to mention I received XXXX XXXX from XXXX XXXX XXXX. The debt was then purchased by XXXX XXXX XXXX which is whom this supposed debt is owed. The first reference # was for an amount of {$1200.00}. The second reference # the amount was for {$69.00}. The letters also mention I have until XX/XX/XXXX to call or write to dispute all or part of the debt. 
The first part of my complaint is that I do NOT recognize this supposed debt nor the companies involved with the origination or transfer of the debt. This debt supposedly originated on XX/XX/XXXX and I have never received any notification of this debt until XX/XX/XXXX. The second part of my complain is that Debt Recovery Solutions , LLC did not adhere to my rights under FDCPA and FCRA on providing the allotted time to report this debt as it is already reporting on my credit report to at least one reporting agency PRIOR to the date provided to dispute the debt which is XX/XX/XXXX. This is unfair and deceptive implying I owe a debt and reporting it to any credit bureau agency prior to the date provided by the debt collector to dispute the debt. I believe the actions taken by Debt Recovery Solutions , LLC to report this debt to the credit reporting agency is abusive and did not follow the practices of FDCPA and FCRA in protecting my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts my credit reports from all 3 companies reporting inaccurate information. I have open accounts that show inaccurate information. I also have closed accounts reporting inaccurate information and have made disputes with all three agency 's Equifax XXXX and XXXX that are just wrong and damaging my credit. I have tried disputes and serm to get no where they say they will remove the information and it'd still there. Also Equifax was hacked a few years ago and I have all kinds of inquiries that I haven't done hard inquiries ruining my credit score Under 15 USC 1681 i have the right to privacy and accurate informationand thr right to have all these acvoubts removed from my credit report. Under the law. 
I HAVE 11 ACCOUNTS THAT ARE OPEN AND ARE MOT ACCURATE.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing signifi cant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit fi le. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.