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

I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX. My student loan was being serviced by XXXX soon after moving to XXXX I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX XXXX XXXX this is around XX/XX/XXXX. I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX  is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Hello, after finding the company DRS Solutions on my credit report for a Pay By Phone charge. I have never heard of this company and can find no information about them so I sent a letter via mail on XX/XX/20 and disputed it with the credit bureau. I never heard back from DRS Solutions, but they claimed that the debt was valid to the credit bureau. I then contacted them via phone and was told to email their Vice President for verification. I emailed him on XX/XX/XXXX with a copy of my original letter and have been emailing him once a week since then. He responded by asking for the account number although it was on the original letter that was attached and not in the emails body. I responded with the account number and the ask that they provided all the requested information to verify the debt. He did not respond. They refuse to supply me with verification yet will not take the charge off of my credit report. I dont think this is fair and would like something done. Please help.
Product: Mortgage

US Bank processed an insurance claim check on XX/XX/2019 with directions on file to payoff the loan the refund the overage from the claim. 

Check was cashed and loan was paid off as evidenced by the refund of the tax and insurance escrow account. 

US Bank stopped payment on the escrow check and reinstated the loan without comment, direction or reason. 

Multiple calls to US Bank over the course of a month produced no result. Some employees were able to see documents. Others claimed no documents existed, including the death certificate for the borrower, the executor documentation for me, and the letter requesting the payoff. Some employees also claimed the insurance check was never cashed when in fact it had cleared the bank for the insurance company. 

US Bank claimed to be sending a check for the {$37000.00} in overage from the insurance after full payoff of the loan. Instead they sent a check for {$68000.00} directing that the funds be used to rebuilt the house. When called about this latest error, the US Bank employee said the check had to be deposited and that we would need to produce certified funds to send the US Bank 's money back to US Bank. That was not acceptable because the letter accompanying the check clearly stated that cashing it meant there was an obligation to rebuild the house. After demanding that US Bank figure out how to void their own check issued in error, the employee simply hung up on me. 

Because US Bank has held this money in error for more than 30 days, they are also sending default notices. This despite the fact that they are in possession of a full payoff, {$37000.00} additional funds and {$3200.00} in escrow that are required by TILA to be refunded to the borrower within 20 business days of payoff. 

Currently, they are again saying they will process this as a payoff but needed to update the payoff since it was only good through XX/XX/XXXX. When I advised they have had the money and request to payoff the loan since XX/XX/XXXX ( with XXXX confirmation of this ), US Bank stated they did not know and could not control what a payoff statement might show. When I said it would clearly show more than a month of additional interest, they said there was nothing they could do about that despite the fact that they now acknowledging they had everything required to process the payoff on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING 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 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
Product: Debt collection

Ocwen, for over a year, stated that I was not eligible for a loan modification because my property " is being marketed for sale '' after foreclosure. This was false. In Hawaii, the Court must approve any sale, and this has not happened, although a Summary Judgment was granted. When Ocwen reversed this statement, I applied for modification, for the fifth time. As of XXXX XXXX, 2015, I had complied with all conditions. ( see attached ) Then, Ocwen demanded a final condition on XXXX XXXX, 2015 : a deed from a co-borrower. I complied. ( see attached ) No modification has been received. In fact, we have yet to be denied. We have satisfied all conditions. We have been deemed eligible. Ocwen now says we must resubmit. Several of the letters received were given only after our attorney called Ocwen to ask for them. Then, they were dated a month before, yet never sent to us. Ocwen 's attorney now wants to confirm the sale of our home, because we are not " under review. '' We are getting the runaround all over again. And we have back-dated letters, claimed to have been sent to us when they were not.
Product: Credit reporting or other personal consumer reports

Didnt contact me to even run my credit and old items on there!
Product: Mortgage

On  X/XX/2017    I filed a complaint with the CFPB regarding my interaction with Quicken loans. While receiving info on loans, rates and terms I started to question my loan assistant, when his supervisor interrupted our conversation. He proceeded to quote me a new rate of 3.75 %. He then proceeded to ask me my credit card # so he could get the process started. I responded by telling him I would not submit my card # until I received something in writing. He was aggressive in his response to this. I further inquired if there were points involved with this new rate. He said there were 3 pts for a total of {$3400.00}. I asked when he was going to mention this fact, after he had my credit card #. But for me asking I would not know that the points had been omitted. When I questioned this aggressive sales tactic the supervisor became even more belligerent. I think this is a fraudulent practice and should not only stop, but should be penalized. I submitted a complaint with CFPB and had their response read to me by an assistant. Quicken Loans response was very accurate as to the facts and sequence of events except they failed to mention, and in my view purposely omitted the fact that they requested my credit card # before they disclosed that the quote they gave me included points. The response by  Quicken  Loans is in fact a second occurrence of omitting facts to favor their narrative. I agreed to and our conversation was recorded, you can listen to our conversation and see this fact plainly. This non disclosure of points and omitting them in their response is at the heart of my complaint.
Product: Debt collection

XX/XX/2023 till today of XX/XX/2023 I owe XXXX  XXXX  back XXXX $ and I told them multiple times I was going to pay it and they call me every single day and they information is infoXXXX 
XXXX XXXX infoXXXX 

They harass me every single day
Product: Student loan

I had my last course completion on XX/XX/2019. I have already been called repeatedly and have received a notice that I have missed payments totaling {$390.00}. XXXX Loans claims I am delinquent however I have been in in school deferment since XXXX. They have constantly harassed me in the past despite my in school status.
Product: Credit reporting or other personal consumer reports

Timeshare installment loan is being reported as a real estate mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXXXXXX 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. ''
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX* Balance : {$2100.00}
Product: Debt collection

In accordance with the laws of debt collection, I am disputing the incorrect amount owed of {$9200.00} with TRANSWORLD SYSTEMS , INC. representing XXXX XXXX  account, XXXX. I had opened a dispute with XXXX  XXXX on Friday, XX/XX/2022. I had followed the provided instructions and completed a " Final Bill Dispute Form '' from their organization. As I had explained to the representative on XX/XX/2022 the amount is incorrect and I had terminated service on XX/XX/2022 and the account was deemed to be transferred back to the property owner as we were only tenants and were leaving the property. The " Final Bill Dispute Form '' was mailed to the following address with XXXX ( XXXX ) days of receiving as per XXXX XXXX  instructions : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX ATTN : XXXX XXXX XXXX XXXX After mailing, I never received a return response from the company only a deb collection notice on XX/XX/2022 from TRANSWORLD SYSTEMS INC . The debt amount is incorrect, I am disputing the amount and this should have been resolved within XXXX XXXX as per the customer service supervisors instructions and completion of the " Final Bill Dispute Form ''. I am subject to believe XXXX  XXXX did not respond to my dispute in writing as I never received a written response via mail or email to the address provided.
Product: Payday loan, title loan, personal loan, or advance loan

This is a brief history of the fiasco with Greensky, a Goldman Sachs company, we're trying to solve. 
-On XXXX XXXX XXXX, we signed a contract with XXXX XXXX from XXXX XXXX, a XXXX vendor, for the remodeling of XXXX bathrooms. The contract price was {$43000.00}, with {$1000.00} downpayment paid by XXXX XXXX, and {$42000.00} financed through Greensky : order number XXXX. 
-On XX/XX/23, XXXX charged {$21000.00} to my Greensky account, unbeknownst to me. 
XXXX XX/XX/23, I made a payment of {$450.00} to Greensky , then on XX/XX/23 XXXX applied a credit of {$260.00} for reduced work, finally on XX/XX/23 I paid the Greensky in full for {$20000.00} through an ACH from my XXXX checking account. Greensky took {$20000.00} TWICE from my account ; upon my calling them, they blamed a software glitch for this extreme blunder! 
XXXX delayed 7 times the installation, so I asked XXXX to cancel this contract on XX/XX/23. 
-On XX/XX/23, XXXX XXXX XXXX ( XXXX ) XXXX, the XXXX account XXXX, confirmed the full refund. 
As Greensky keeps delaying the refund, need to escalate this fraud to law enforcement. 
Asking for the immediate refund of {$21000.00}!
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus and Mercedes Benz is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting
Product: Consumer Loan

I am asking for your assistance with this matter of relinquishing me from this loan for this leased vehicle. 
Please understand, I was coerced in this process. Being in an abusive situation for four years I did n't have any rights or choices for myself. There was no option for me to say no I am not co- signing, I chose to LIVE as the option when I signed my name. Now that I 'm free from my abuser I still am unfortunately binded in a situation with coerced debt. I have never driven the car, do not have a key, the car is not in my possession, I ca n't make any transactions with XXXX XXXX, collaborate or consult with him, because I fear for my life. 
I would like my name to removed from the loan.
Product: Debt collection

I took out a personal loan with XXXX XXXX, and after I got sick with Covid I couldnt work anymore or pay any of my debts. 
So XXXX XXXX transferred my debt to Capital Link Management, this company calls me 27 times a day or more. 
And last week they called & text : My Father / My Sister / My XXXX XXXX XXXX daughter & My Ex-Husband!!! 
In the text messages they disclosed how much I owe them and they also tried to negotiate down the debt so they could probably pay it off for me. 
This was very embarrassing and Ive been very depressed!! My sister is also mad at me & not talking to me over this!
Product: Checking or savings account

Received my monthly bank statement on XX/XX/XXXX for period XX/XX/XXXX through XX/XX/XXXX and IMMEDIATELY saw that my credit union processed ( XXXX ) fraudulent checks through my account. Our checking numerical sequence is currently in the XXXX range. The ( XXXX ) fraudulent checks were posted XX/XX/XXXX - # XXXX - amounXXXX XXXX} and XX/XX/XXXX - # XXXX - amount XXXX. We did not have a checking account with this credit union with those check numbers. We immediately called our credit union to report this. The representative closed our checking account, opened a new account and presented this issue to their internal fraud division. I then logged into our account from my desktop and was unable to see images of any of my checks. We have encrypted XXXX to prevent this from happening. Let me be clear- we do not do any financial transactions online. I only access my accounts to monitor them from my home, protected desktop computer. We do not have any APPS on our cell phones. We have gone to our credit union branch XXXX in person. XXXX XXXX we have been given different non-answers. We have called them XXXX XXXX XXXX times each day, going thru their XXXX process of XXXX  - empty promises. They have REFUSED to provide us information and as of today, XX/XX/XXXX they have not returned the XXXX}. The XXXX was returned to our account XX/XX/XXXX. They claim that all images of checks have been erased from their files. Yet, they have sent images XXXX of our legitimate check # XXXX for XXXX} implying that they don't owe us XXXX}. It has been XXXX weeks. They refused to tell us what checks I had mailed prior to discovering the fraudulent checks on my statement! We had to call XXXX different payees. We did not receive new checks to be able to submit payments on time to our credit card, utilities, etc. We always write checks the day our bills arrive, always pay in full - never carry a balance and mail from inside of our post office within XXXX  days of receiving our bills! We need to know who had access to all of our personal information and we need PROTECTION
Product: Credit card

Santander Bank, NA had advertised a promotion on mass media for its XXXX credit card sometime in XX/XX/XXXX - XXXX XX/XX/XXXX time period. The promotion stated that if a XXXX customer charged {$1000.00} or more each month for XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX the customer 's XXXX account will be awarded XXXX bonus reward points. I am a XXXX card holder and I liked the promotion offered so I decided to participate. For each of the XXXX months I charged expenses totaling {$1000.00} or more to my XXXX card. To make sure I had qualified for each of the three months I called Customer Service at Santander Bank after I received my billing statement and during each call the CSR ( Customer Service Representative ) assured me I had met the promotional requirement. However, when I did n't receive the XXXX bonus reward points I called CSR at Santander toward the end of XXXX XXXX to inquire as to the status. After several calls Santander Bank informed me that I had not met the requirement XX/XX/XXXX. My billing statement for XX/XX/XXXX did clearly show that I had over {$1000.00} in new charges. A Rewards Department representative then explained that the promotion required charges during the calendar month and not the billing month. This deceiving explanation totally surprised me and I strongly disagree with it because there is no easy way for the customer to figure out total amount charged during a calendar month. That is because a customer may execute a transaction within a certain month but if does n't get posted until the following month the bank may not consider it as having occurred in the month that it actually took place. This situation makes it almost impossible for a customer to make sure transactions are posted within a given month. For that the customer depends on the billing statement, which in my case has usually ended on the XXXX or XXXX of the month. 
For the reasons stated above I firmly believe that Santander Bank is exhibiting unfair consumer practice and CFPB needs to intervene on my behalf.
Product: Debt collection

Pinnacle Credit Services removed a collections account from my credit report, they then reinserted it into my report WITHOUT sending me any notification whatsoever. I have asked that the company provide me with some sort of original document or final bill to validate the debt, the amount of last payment and they have not attempted to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not do complete through investigation
Product: Credit reporting or other personal consumer reports

I sent three distinct disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing a purported 30 day late payment. They responded negatively to all three of them despite my providing extensive evidence that I had paid the account on time. They claimed that the lender had confirmed the late payment on all three despite a part of my evidence being the lender explicitly admitting fault in the matter and guaranteeing that the charge would be removed.