23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Holding excess of {$2200.00} just after paying all property tax from escrow & missing {$1700.00} on escrow balance. 
I have called multiple times on phone listed on the pdf letter that the bank has sent from past complaint. After more than 45 minutes, it just hangs up every time. 

If you review my past submitted xls file, the refunds of {$590.00} on XX/XX/XXXX, and {$390.00} on XX/XX/XXXX were already taken in account & came to missing of {$3300.00}. 

{$1600.00} refund on XXXX, XXXX, XXXX was not on monthly statements & that's why I missed it. It would be better if Axos can provide transparent accounting info including escrow transactions. Anyways, even after taking that in account, we still have {$1700.00} missing from escrow. 

I have updated the xls file to reflect this & also added the over collected escrow ( as reported on Axos site after disbursement of XX/XX/XXXX property taxes ) {$2200.00}. 
Inline image Would you please provide copy of all escrow transactions from beginning of the loan in table format? That will help clarify most of this confusion. 

Now please refund {$4200.00} as soon as possible. 

-XXXX  XXXX
Product: Debt collection

I had service with XXXX. Contacted XXXX before I went on cruise and was assured that I will not be charged extra charges for my phone service. I came back off cruise and receive a phone bill for XXXX for charges XXXX claim came from XXXX cell towers. XXXX XXXX the charges were billed to my sprint account from carnival. No where in my contract about third party billing.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX  XXXX  Account name : # XXXX XXXX  Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA and also hard inquiries XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

These are fraudulent people trying to collect debit thats not owed and already deleted years back. Different people calling from different companies for debt thats not owed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified that my FICO score had suddenly dropped nearly 100 points. As a responsible consumer with impeccable credit, I immediately requested my credit reports from all 3 credit bureaus. I discovered that GM Financial had reported a 60-day delinquency for XX/XX/XXXXand XX/XX/XXXX  on the lease turn-in ( final balance of {$1500.00} ) of my former vehicle ( a XXXX XXXX ). This balance was completely unknown to me, as I turned it in on XX/XX/XXXX ( while leasing a new XXXX XXXX ) with the understanding from the salesman that he had figured the remaining balance of the XXXX to be rolled in to the new vehicle payment. In my new vehicle, I drove away from the dealership with the understanding that the lease turn-in of the XXXX XXXX was completely settled. The salesman ( or the financing dept at the dealership ) never told me to personally contact GM Financial about anything whatsoever. The salesman obviously did not roll the remaining balance in to the new car payment. 

When GM Financial sent a final bill ( of {$1500.00} ), one final bill was sent to an old address on the account. As a result, I have never received the final bill to this day. However, the statements for my new XXXX XXXX were indeed ( and still are ) coming to my current address that they do have on file at GM Financial. 

I did pay the remaining balance of {$1500.00} immediately over the phone to GM Financial on XX/XX/XXXX. Although GM Financial made an error in mailing the final bill to the wrong address, they REFUSE to remove the FALSE 60-day delinquency that is still showing on my credit reports with XXXX and XXXX. I filed complaints with all 3 credit bureaus in XX/XX/XXXX. XXXX is the only bureau that corrected the problem and removed the 60-day delinquency for me. 

I have made endless calls to GM Financial on this matter and I have filed several complaints with XXXX and XXXX. Yet they refuse to remove the false 60-day delinquency showing for XX/XX/XXXX and XX/XX/XXXX. They only " Updated '' it as paid off as of XX/XX/XXXX. 
This is not acceptable as it is easy to see that I have had impeccable credit for all of my credit history of over 20 years. GM Financial claims that I should have called them when I turned-in the XXXX XXXX. How would I know to call them, when I had every confidence that the entire transaction was being handled by my salesman and dealership? The salesman ( or the dealership financing department ) never told me to call GM Financial about anything. Additionally, my billing statements for my new XXXX XXXX were coming to my current address. So why did they send one final bill of {$1500.00} to an OLD address? I have never received it and I did not know to expect it. 
GM Financial is falsely characterizing me as a negligent consumer by refusing to remove the 60-day false delinquency from my credit report. Whereas, I am nothing but a responsible consumer.
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had five payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXXXXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Student loan

Subject : Formal Complaint for Removal of Student Loans from Credit Report and Review of Forgiveness Eligibility To Whom It May Concern, I am submitting this formal complaint regarding the mismanagement and continued reporting of my student loans, which have caused significant financial and emotional distress. I am requesting the immediate removal of these student loans from my credit report and a full review of my eligibility for loan forgiveness under federal law. 

Details of the Complaint : XXXX. Long-Term Participation in Income-Driven Repayment ( IDR ) Plans : I have been enrolled in an Income-Driven Repayment ( IDR ) program for several years, consistently making payments as required. 

Despite my consistent participation, none of my student loan balance has been forgiven, in direct contradiction to federal guidelines that promise forgiveness after XXXX years of qualifying payments. 

This is a violation of the Higher Education Act of 1965 and the terms outlined in IDR programs, which mandate forgiveness after a designated period of repayment. 



XXXX. Bankruptcy Filing and Undue Hardship : I have filed for bankruptcy, which further demonstrates the undue hardship caused by these student loans. 

Under 11 U.S.C. 523 ( a ) ( 8 ) of the Bankruptcy Code, student loans can be discharged in bankruptcy if they create an undue hardship. 

My financial situation meets the XXXX XXXX standards : Poverty : Repaying these loans prevents me from maintaining a minimal standard of living. 

Persistence : My financial hardship is ongoing and unlikely to improve. 

Good Faith : I have made good faith efforts to repay my loans through consistent participation in repayment programs. 




XXXX. Negative Credit Reporting : These student loans are negatively affecting my credit, preventing me from accessing essential financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, lenders are required to report accurate and complete information. The continued reporting of these loans without honoring forgiveness programs or considering my bankruptcy filing is a violation of this law. 



XXXX. Violation of Consumer Rights : As a United States citizen, I have the right to fair treatment under federal law. 

The mishandling of my student loan repayment and forgiveness eligibility violates my rights and hinders my ability to live freely and pursue financial stability. 




Relevant Legal Violations : Higher Education Act of 1965 : Failure to administer loan forgiveness as promised under IDR plans. 

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Reporting inaccurate or outdated information. 

Bankruptcy Code 11 U.S.C. 523 ( a ) ( 8 ) : Ignoring eligibility for loan discharge due to undue hardship. 

Consumer Financial Protection Act ( Title X of Dodd-Frank Act ) : Unfair and deceptive practices by loan servicers.
Product: Debt collection

This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up.
Product: Credit card or prepaid card

I changed my amex credit card because a fraudulent act so they send me a new one. But they let 2 different vendors even if they have the wrong card number charged my account without my consent. It was XXXX in XX/XX/XXXX for XXXX $ and also XXXX on XX/XX/XXXX for XXXX . They also try to call me on Sunday XX/XX/XXXX at XXXX totally out of legal hours
Product: Credit reporting or other personal consumer reports

American Express account reporting that account was charged off in XXXX and XXXX of XXXX. Account was paid in full in XXXX of XXXX. Charge off reported at that time. On XX/XX/XXXX looked at account and charge off had been moved from the XX/XX/XXXX to XXXX of XXXX therefore dropping my credit score XXXX points. This is hurting my credit score and report.
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 items 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 public record and items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

Subject : Dispute of Collection Attempt for Repossessed Vehicle I am writing to dispute the collection attempts made by your company regarding the outstanding balance on the vehicle that was repossessed and subsequently sold. The harassing nature of your collection attempts is causing me undue stress and XXXX. 

It has come to my attention that the vehicle in question was repossessed and sold by your company. According to my understanding of the laws governing such situations, the proceeds from the sale of the repossessed vehicle should be used to offset the outstanding balance on the loan. Any remaining amount, known as the deficiency balance, is what the borrower is typically responsible for paying. 

I request that you provide me with a detailed breakdown of the sale of the vehicle, including the sale price, any associated fees, and the calculation of the remaining balance. I believe that the amount you are currently attempting to collect from me does not accurately reflect the deficiency balance after the sale of the vehicle. 

Furthermore, I would like to bring to your attention that the constant communication and pressure from your company constitute harassment under the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that you cease all communication with me until this matter is resolved appropriately. 

Please provide me with the necessary documentation to support your claim for the full amount and an explanation for the discrepancy between the sale price of the vehicle and the amount you are attempting to collect from me. 

I expect a prompt response within [ specify a reasonable timeframe ] days of receiving this letter. Failure to provide the requested information may result in further action on my part to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to resolving this dispute in a fair and amicable manner. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 ITEMS 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 ITEMS. XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Filed Date : XX/XX/XXXX Reference Number : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Going over my credit report and I found an account still being reported. The account has been paid off and closed since XXXX 2006.
Product: Mortgage

In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX  XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.
Product: Credit card

I applied for an American Express Delta credit card, and a phone number called me acting like american express. Asking for social, etc. I gave them the number not knowing it was a scam. I applied Tuesday, XX/XX/XXXX and they have been calling about it and i thought it was the company calling me
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ] [ XXXX ] XXXX [ XX/XX/XXXX ] ** [ LVNV FUNDING LLC [ XXXX, XXXX, XXXX ] XXXX : Dispute of Unauthorized Account and Request for Immediate Action** Dear [ Credit Reporting Agency Name ] , I am writing to formally dispute an unauthorized account that has resulted in wage garnishment from my employer, due to actions taken by LVNV Funding. My details are as follows : - **Name : ** XXXX XXXX XXXX XXXXSocial Security Number : ** XXXX - **Date of Birth : ** XX/XX/XXXX This garnishment is causing me extreme financial hardship while I am already fulfilling my obligations for child support. Due to this situation, I am facing the risk of homelessness and am unable to pay my bills. 
I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. I have no knowledge of this account and believe I may be a victim of identity theft. As such, I ask that you take immediate action to delete this unauthorized account from my credit report and block any further reporting associated with it.

Please provide me with written confirmation of the results of your investigation and any actions taken regarding this matter.This Account is idenitiy theft.

Thank you for your prompt attention to this urgent issue. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the  CEO   XXXX   XXXX   XXXX   XXXX   office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are 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 21 days before the payment due date. 


XXXX XXXX XXXX XXXX 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 21 days 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, my name is XXXX XXXX, and I have a problem with the mortgage company and Experian, I file a dispute about my mortgage company, my old company sold my mortgage to a third party, and I have been in my house for over ten years now and have never been late until now, my old mortgage company didn't transfer all the information about the auto payment, and nobody told me about the late payment, they never set up my auto pay once they transfer the mortgage, please can someone help me I already disputed the account and the scored with the credit company but they have not done anything as of yet, I need them to fix my credit score, I spoke to the mortgage company and they said that they were going to fix my credit, I have already paid the balance and still the company has not fixed my credit report. I need help with this matter Experian the credit company has not done anything to fix my credit, my credit score has gone down XXXX points and they for some reason don't restore my credit as of yet... 

please can someone help me with this, I would really appreciated it. 

Thank you XXXX XXXX
Product: Student loan

This complaint is directed at Navient regarding a student loan in repayment. Navient has gotten to the point of harassing myself and my daughter both via email and through phone calls. We each receive at least XXXX communications per day. In XXXX XXXX, a payment plan was setup with them. Over the last XXXX  months payments has been made and I personally sent an email to their customer service with an attachment showing the payments had been made and received by their system including a pending payment for XX/XX/XXXX. They continually call and email to harass us for payments, ignoring my communications as proof of payment. 

Every time my daughter reaches out to speak with them you get a different CSR on the phone who has no idea or record of what has been discussed or the payment plan that was agreed upon so it's like starting from scratch once again.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, XXXX XXXX TransUnion on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received the results of any investigations into the items I disputed.
Product: Debt collection

Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached evidence that proves this company has violated my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered after filing a complaint. Following my complaint submission, I am unable to access my credit reports using the same information I have used previously. Transunion the most but now XXXX. I also can not dispute name that is on my credit report with transunion that is not correct at all. These are not my names and never was spelled they way they have them spelled. 

Moreover, I suspect that the involved companies might be employing phishing tactics to obtain information to place on credit reports. 

I kindly request your prompt assistance in investigating and resolving this matter. I believe the issue poses a significant threat to the security, right to privacy of my information, and I am eager to ensure a swift resolution. 

Thank you for your attention to this matter, and I appreciate your ongoing efforts to protect consumers.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00}