23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith 1 ) XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX ) XXXX, XX/XX/XXXX, XXXX, EQUIFAX XXXX ) XXXX XXXX XX/XX/XXXX EQUIFAX XXXX ) XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX  EQUIFAX
Product: Credit reporting

I do not owe XXXX XXXX XXXX or XXXX Apartments. I have abided by all contractual obligations and have paid rent in full covering the entire stay in the apartment complex. I left the complex and paid my rent in full. There were XXXX instances which the complex was unsafe as direct result of management neglience which caused me to suffer theft of property and put my life in danger due to possible fire. That was the reason I left the complex. As the result of their unlawful claim in my credit history, I have been denied to rent elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Sec
tion XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I completed the online process to request a security freeze with data reporting company SageStream , LLC. I also submitted a request for a copy of my consumer report that they have to be disclosed to me. I never received confirmation of my request. I never received a pin number for the security freeze I requested. I have called their number XXXX XXXX XXXX XXXX numerous times and no one has ever picked up the phone. The line instructs to leave a message and someone will get back to me. I left numerous messages and NO ONE EVER got back to me. SageStream , LLC is a for profit data reporting company that has information on consumers and it is unacceptable that they are evading responding to a consumer that they are reporting informaion on. I have not been able to review the report they have on me or confirm any inaccuracies in their report. I want SageStream , LLC to stop violating my rights and to produce a copy of my report and confirmation of the security freeze I originally requested.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end XXXX copy it and put it in that box consumer credit pian as late for and purpose
Product: Mortgage

Up until XXXX, every month when I paid my mortgage I would get an emailed receipt. Since XXXX I have been unable to get a receipt for my payment. I save the emails, and save the PDF receipt by month and year to ensure that I have all my records. I have reached out to the company twice now and they respond that they are aware of the issue and will resolve it at a later date, contacting me once it is resolved. I want my receipts, it is that simple. I want the PROOF that my payments have been made and there is XXXX excuse on why they can not provide me with my proof of payment. I get my statements without issue, shouldn't be an issue getting my receipts either. What is worse, when you contact them the system they use is external to their website so you have no record of the contact. Its as if they are attempting to hide the problem. Something is very wrong here.
Product: Debt collection

I am a victim of identity theft and want to remove the following charges XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit reporting agency that has not complied with creditor 's request to remove a derogatory account from my report due to fraud. I have made multiple attempts between XX/XX/XXXX and XX/XX/XXXX to have the " XXXX XXXX '' account deleted. I filed another dispute on XX/XX/XXXX, that included a copy of the letter ( attached ) from XXXX XXXX XXXX ( dated XX/XX/XXXX ). Update received from Experian on XX/XX/XXXX still shows the delinquent account on my credit report. 
This account was closed in XX/XX/XXXX but accessed and charges were made without my knowledge and became delinquent in XX/XX/XXXX. I became aware of the account on my report in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX  The information reported by this creditor is inaccurate, and I am requesting that the account be removed from my credit report. 

XXXXXXXX XXXX XXXX is reporting different balances to all three credit bureaus. I have dispute of the account multiple times to ensure the account balance is accurate information keeps getting denied and verified as accurate. 

I have attached copies of my credit report with the incorrect entries highlighted, as well as any relevant supporting documentation. These documents should clearly demonstrate the discrepancies and support my request for correction. Additionally, I have previously contacted XXXX XXXX XXXX  directly regarding this matter, but the issue has not been resolved. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that thisaccount is removed from my credit report entirely. The continued presence of this incorrect information is unfairly damaging my credit score and affecting my ability to secure future financial opportunities. 

Please let me know if you require any additional information or documentation from my side to assist in the resolution of this issue. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance.
Product: Student loan

Filed a complaint with Aidvantage last month and with XXXX before then. Still have not received any information regarding my account or loan refund request. I requested a refund of a student loan payment from XXXX back in XXXX of this year. I requested a refund of my last payment that was made on XX/XX/2020, for the amount of {$21000.00}. I didn't hear anything back. I called back 2 months later and found out that my account had been transferred to Aidvantage. 

So I called Aidvantage and they did not have my account info. They said that it would be available " mid XXXX ''. XXXX XXXX has since passed and I still can not create an account with Aidvantage or get any information about my payment refund request, or my account at all. They lied several times and switched up the story each time I called and gave me conflicting information about dates. 

In general I received no notification at all from Aidvantage letting me know that they are taking over my account, and when calling them they have no info. Not a letter, not an email ( I checked spam folders, etc ), not a text message... nothing. I also have not received any notice or communication from XXXX that they were even transferred to Aidvantage. Calling these companies is the only way to find out info. That has to be illegal. Corporations are working behind the scenes without giving any knowledge of my account or where my information is being moved to. I filed previous complaints and made dozens of calls with both companies with no success.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXXXXXX XXXX Account number XXXX, Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number XXXX, Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Subject : Dispute of Debt Collection on Resolved Account To Whom It May Concern, I am writing to formally dispute a debt collection attempt that has recently appeared on my credit report. The debt in question is very old and was already resolved in XXXX. However, a third-party debt collector has contacted me regarding this account, which I believe is inaccurate and unfairly impacting my credit score. 

I previously reached out to the original creditor and the FDIC, referencing case number XXXX, and was informed that the company was unable to locate any record of this debt. This further adds to my confusion as to how a third-party collection agency is now pursuing this matter. Given that the original creditor has no record of this account, I strongly believe this collection attempt is either erroneous or fraudulent. 

I request that this matter be thoroughly investigated and that any negative reporting related to this account be removed from my credit report immediately. Additionally, I would appreciate written confirmation of the findings of your investigation. 

Please let me know if any further information is required to resolve this issue. I appreciate your prompt attention to this matter.
Product: Mortgage

I have been trying to get my loan modification paperwork settled since XXXX of last year. I have paid for a notary and witness signatures on 5 different times. Each time time P h an H gets the paperwork back via overnight delivery, they find something wrong with it. In XXXX, I was told by them to send in the paperwork even though it was past the due date, just to be told when they received it that they wouldnt accept it because it was past due. ( This company only give you 4 days once you receive it in the mail to get the docs notarized, with witness sigs and back to their office, 4 days! during a pandemic. 

The 4th time I sent the paperwork back, they said 1 of the 4 pages that was notarized had an extra " a '' in our last name and they wouldn't accept it. The 5th and final time very recently, the rep form the bank emailed me the docs securely and told me dont worry about the due date, to just get them notarized again and overnight them back. I was just told on Thursday, 2 days after I sent the paperwork back, that they wouldnt accept it because it was past the due date! The rep himself emailed me the paperwork on Friday XX/XX/XXXX!!!! He said just send it back in, dont worry that its past the due date. Now they are telling me they wont accept my payment for my mortgage for XXXX. I have been making payments since XXXX during this modification paperwork fiasco. No they wont accept my XXXX payment. It is my belief they are dorliboritley doing this on purpose, I have {XXXX} in equity in my house and I feel they are making it impossible to get this modification done. I need help please ...
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Experian regarding a request to investigate things that I believe to be inaccurate and/or incomplete in my credit report. Experian responded back with a stall letter on XX/XX/year> stating that it was not me but a third party trying to fix my credit. However, I mailed this from my own house. I am not sure why they think Im a third party as I am trying to fix my own credit while getting these inaccuracies removed as I am trying to get a vehicle
Product: Mortgage

Green Tree Service Representatives were extremely rude and threatening with me. They called me at various times of day and night, and even while I was at work, despite my constant requests not to contact me at these times. They have harassed and bullied me ever since they took over my mortgage from Origin, and they have caused me XXXX and have made me afraid of answering the phone in fear of homelessness in doing so. They have also made deliberate attempts to embarrass me in front of my clients while I 'm at work. They also would only accept payments through a pay service that charged {$12.00} payments for every transaction and forced me to set up XXXX payments at a time beforehand. They treated me like I was dirt, a second class citizen ... Like I was some sub-human trash.
Product: Mortgage

Hello, My original mortgage was with XXXX, who sold my mortgage to SPS. I am behind with my mortgage, but made a payment today. I am not in foreclosure and have been negotiating with them since XXXX XXXX on a modification. However, they are not modifying, just an endless loop of re-sending info. I have made an over the phone payment yesterday, got a confirmation number, but the funds were not deducted from my bank account. I called SPS today, and they confirmed receipt of the payment request, but said they had not presented it to my bank yet. As tomorrow is an important deadline at which they will send my file to an attorney for procedures if a payment was not made, I am so worried that they are illegally trying to foreclose. Here is what I found online : XXXX and XXXX Their history is terrible and they have been playing games since XXXX. What they are doing is scandalous. Please help!!!
Product: Mortgage

I have been having ongoing problems with New Penn Financial based out of XXXX, Pa. They have consistently not applied my additional principal payments to my principal mortgage. Now, because I have previously complained about this, on my last statement, they said I have a NSF fee of XXXX. I had over 7000.00 in my account on XXXX XXXX, 2017 when they withdrew my monthly payment of XXXX. I feel they are being vindictive towards me because of my previous complaints with CFPB, the BBB and Wisc. state bank examiner. I have left messages with their billing dept., their compliance officer, XXXX XXXX, my original loan officer, XXXX XXXX, and their Hqs. in XXXX. None of the aforementioned people have had the courtesy of returning my calls.
Product: Credit card or prepaid card

I have been a capital one customer since the beginning of time and have always been a good customer. 

I usually pay all my cap one accounts online. I have never known to pay any other way. 


On Saturday the app kept glitching shutting down on me throughout the day and the customer service hold time was more than a hour. 

I was finally able to pay the minimum balance due online on my due date and was still hit with a late fee of {$40.00}. 


You can not charge me for a late fee when I paid online on the due date. Its not right or fair. 

Capital one should be ashamed of themselves trying to further Put me in debt. 

I want the fee waived and off my account. I tried contacting customer support and they were all rude and unhelpful
Product: Credit reporting or other personal consumer reports

Subject : Request to remove inaccurate information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified inaccurate information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : XXXX * XXXX balance : XXXX Reason for dispute : This account contains inaccurate information that does not accurately reflect my financial history. Under Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is inaccurate, please request that it be removed from my report or, alternatively, that its validity be verified within 30 days. In addition, pursuant to the FCRA, the credit bureau is required to confirm that all information reported by creditors is correct and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be removed in its entirety. 

Request for Documentation To validate the accuracy of this account, please request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, you must remove the account from my credit report in compliance with the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been modified on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention to this request. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if I do not receive an adequate response within the stipulated time period. 

Sincerely, XXXX XXXX
Product: Debt collection

My first call with them was very abrasive I had no idea that my account that was joint with my deceased aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold Sallie Mae harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she died shortly after those calls and now I'm grieving her death and this mess with the XXXX XXXX and Sallie Mae.
Product: Mortgage

A company called Lonecare, LLC has sent me 2 letters demanding I send them documentation of supplemental tax payment. I have never entered into any contract or agreement with them to supply them any information on my loan status with XXXX, who I send my mortgage payment to. Lonecare is asking for information that was resolved on XX/XX/2020 by XXXX. If they have an agreement with XXXX, I would expect them to follow up with them. I will NOT be sending any information to them. By virtue of their own actions they are at least neglecant of handling my account information or anyone else 's. They should have knowledge that the issue was resolved from XXXX and XXXX should have already confirmed this with Lonecare with documentation they require.
Product: Credit card or prepaid card

Never been late. payment discrepancy. There's autopayment /reoccuring monthly. 
Therefore never been late.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX 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 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 or other personal consumer reports

I am writing to dispute several inaccurate and potentially fraudulent items that have appeared on my credit report. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into the following entries and their subsequent removal from my credit report, as they are not associated with any accounts I have opened or authorized : XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$630.00} XXXX XXXX XXXX / XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX