23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After recalculating my monthly payment due to changes in property taxes, I went into my online account to change the recurring payment amount to the new amount. Desiring to make this change effective immediately, I indicated the " start date '' to be later that week on XX/XX/XXXX. I had already paid my mortgage on XX/XX/XXXX, and my next payment was due on XX/XX/XXXX. The only text associated with the " start date '' is as follows : " Note : The recurring draft start date can be no sooner than 2 business days from todays date. The date requested must be within your grace period as defined in your Note to avoid any late fees.Information and materials contained in this website re subject to change without notice. You should review these Terms and Conditions periodically to ascertain any changes made. '' To me, this would imply that the mortgage would be drafted on the usual payment date, and the start date is the date in which I would desire the changes to take effect. However, XXXX attempted to withdraw an early mortgage payment on XX/XX/XXXX. Upon discovering that, I called XXXX to cancel the payment, to which they indicated that they could not do that. I subsequently called my bank to advise them not to make the payment as it was too early. The bank did not make the payment, but then XXXX charged me {$20.00} for a this failed ACH payment. 

I sent them a note requesting to reverse this fee on XX/XX/XXXX, but have not heard a response at this point. As noted below, I would like a refund of the {$20.00} fee that was charged, and for XXXX to fix issues with the language on their website. Below are a list of issues, which you can see in the attached documents : 1. Terms and Conditions for recurring payments are in two different pages. The first set appear under the " start date '' section on the website, and presumably these are the ones that we are agreeing to. However, there is another set of terms and conditions on the side panel. It is not clear as to which set we are agreeing to, but when you select print to review the terms and conditions, only the information in the box at the bottom of the page will print out. 
2. At the bottom of the page, where the consumer attests to agreeing to the terms and conditions, the page explicitly states that we are agreeing to the terms and conditions for a " One-time electronic funds transfer ''. We are only given the recurring payment terms and conditions to review, not the one-time EFT terms and conditions, so it is unclear as to which set of rules we are agreeing to. 

Therefore, because of the inconsistencies in the language, the multiple locations for terms and conditions, and the unclear instructions, I was surprised to discover that they attempted to draft my account early and feel entitled to a {$20.00} refund plus requirements placed upon XXXX to fix their website language to be clear, consistent, and legal. Particularly as I have no choice when it comes to my mortgage service provider, I am relying upon the CFPB to settle this manner fairly on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information has been listed on my credit report. I am being taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can not get a job or apply for credit. I am restricted from receiving aid such as SBA loans due to the pandemic due to the negligent, erroneous mistakes made by your company. I have also sent multiple letters to your company regarding this issue, and have received no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an erroneous and inaccurate collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that I believe to be inaccurate or incomplete. I am requesting an investigation and removal of the following collection account from my credit report : I believe that this account is inaccurate because this account was paid in full all rent was paid when I left I do not owe anything, I was not properly notified, the debt was not validated, and a least was not acceptable verification, because I did stay there but never received any itemize statement of WHAT THEY ARE CLAIMING nor did I receive any court documents or even went to court for this matter. Under the FCRA, inaccurate or unverifiable information must be corrected or deleted from my credit file. 

Please conduct a thorough investigation of this matter. If the investigation reveals that the account is inaccurate or unverifiable, I expect it to be permanently removed from my credit report. 

In addition, I request that you send me the results of your investigation and an updated copy of my credit report after the completion of this investigation, as required by the FCRA. 

I have enclosed copies of [ include any relevant documents, such as payment receipts, communication with the creditor, etc. ] to assist you in your investigation. Please remove this account and update my credit file accordingly. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion within 30 days.
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. XXXX XXXX claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did XXXX XXXX  interview regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

XXXX XXXX XXXX
Product: Debt collection

XXXX  master card was induced in 2018 XXXX notification serviced 1 to 1 with XXXX XXXX claim representative. The data breach XX/XX/2018 is to-date. AN internal breach of commands of the likes and dont like can and cant do but will do to rampart for the tangent of bigger.to feel published by possessing a not so good right in commerce of the exchange. etc. That the enclosure column a cross cancel by the master card company in taking money and deducting it from the insurance i did not apply for the total balance of the reversal was the amount of balance i had plus the enclosure brang the account to full payment. The company had not wanted to return the forgery ( phishing } enactment in notice of ( phishing } is civil means of activity in the dos and don'ts. Accept where means of the internal data breach to ( phishing } the workers or employers relinquishment. A working qualification in any country 's or state has these limits in a data breach except where internal resources has been damaged, took, altered and adjusted It can eliminate the population in said balance schemer effects in world cooperatives tax law ... .. The company i have requested from the setting in the credit karma data breach and the XXXX master card reported data breach and reversal however the data belonging to reflex had been adjusted and returned the deduction it is also a forum of phishing to send me emails to inform of the key correction to the account as a debt to overpay the account then close the account as a charge off. The account is not a debt. In fulfillment if i owe your company the amount on the XXXX it will first require that you release the withholding of the prior payments - that has been reversed then blocked by Reflex master-card to closure deduction to the limits to charge off the account. The account was closed because reflex master card incited me to not want to return the amounts deducted and charged off my paid balance available credit to debt the account then roll over to claim, allocate and etc. Now XXXX will be the amount XXXX master card needs to pay me to charge me the credit card statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is for Experian Small Business Credit Report Service. 

I have been attempting to remove a Judgement from my Company 's Credit Report since XX/XX/2022. When I first attempted to get my free business report, they told me I wasn't elligible. So I purchased the Subscription to monitory my report monthly... I submitted a ticket to remove the judgement and sent them the documents showing the Judgement was not correct or owed. 6 months later, they told me that the judgement was correct and closed the case. I opened a second case to start the process over again. Still no response. 

They constantly give very little information or some direction on how to remove the judgement from our record that is not correct. They don't answer their emails and very rarely answer the phone or if they do answer they just say they are working on it. We won the case in court that shows on our record... but for some reason they still show that we lost the case. I have been unable to secure a line of credit for my business at a decent rate at a time when I need it most. I need help. This is damaging our business. I don't know how to get our record cleared at this point.
Product: Mortgage

I phoned first in XXXX. was placed on hold for extended periods of time as the individual could not understand where their figures came from. Was told he was goin to further look into it and I explained I would provide him time and waited approx 3 weeks to again get a reasonable response. Again I was placed on several extended holds, while each servicing officer could not determine how or why the numbers were not adding up. At this time, XXXX XX/XX/2024 I have asked for a complete accounting of my mortgage servicing provided by them as it seems no-one can accurately explain the discrepancy 's that exist is account balances. 

Also, XXXX XXXX changed my coverage and deductible amount without my consent. I will take that complaint to the insurance commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Progressive Management Systems added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Progressive Management Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

I received written notice from Caine & Weiner ( C & W ) on XX/XX/XXXX re a debt they were attempting to collect for XXXX XXXX XXXX in the amount of {$27000.00}. 
On XX/XX/XXXX I called C & W, as I had not heard from them. I called XXXX, the number on the letter received, at XXXX, and XXXX. I was disconnected while on hold twice. I then called back & asked for a direct #, was given XXXX, and left a VM for XXXX. I called back on XX/XX/XXXX as I had not received a call. I spoke with XXXX who said she had called and left a VM but that is an untruth ( cell phone records can verify no call or message ). I explained the situation and offered an amount of {$17000.00}, which was the actual amount I received from XXXX. XXXX said she would contact XXXX with the offer and get back to me by phone and/or email. I tried to send an email to the website listed on the correspondence on XX/XX/XXXX, since I still had not heard back from XXXX. The address is invalid and neither XXXX or XXXX  servers will send to it ( I have screenshot confirmation ). I followed up and left messages for XXXX on the XXXX #  on XXXX, XXXX, XX/XX/XXXX. I never received a call or email from XXXX or anyone else from C & W. I then saw a missed call from the C & W XXXX #  on XX/XX/XXXX @ XXXX. They did not leave a message. I received another letter from them asking for me to call to resolve the debt dated XX/XX/XXXX but didnt receive in the mail until XX/XX/XXXX. I then was notified of a charge off on my credit report thru XXXX on XX/XX/XXXX. 
I believe I have acted in good faith to try to resolve this debt. C & W however has not engaged or returned my phone calls, but rather went straight to collection after just one conversation where the action item was on them to discuss with XXXX and get back to me with an answer. The only conversation I had with C & W was on XX/XX/XXXX. They have not only acted in bad faith by not engaging in conversations to resolve the matter, they also have an invalid email address, and multiple phone numbers on the correspondence. I feel they are less than professional and even appear to be a shady organization. I have submitted disputes re the charge off to all 3 credit agencies. Happy tp provide all documentation if requested.
Product: Debt collection

XXXXs alarm was broyght out by XXXX we didnt find out until we upgraded our alarm system.Prior to that we had XXXX for XXXX to XXXX. No problems. When we upgraded they did a verbal recorded contract. We were tricked on the terms & conditions by the salesman.We paid for what we purchased. XXXX claimed we had late fees & interest owed. We did the math on the acct & We tried to get an understanding but to no prevail we parted ways.Now were here with an outrageous bogus bill on my credit.We dont owe XXXX  anything..
Product: Student loan

I am writing this letter to address a series of student loans bills that I 've incorrectly received as a result of a misunderstanding with Sallie Mae regarding my enrollment status at XXXX University. It is my hope that upon reviewing my testimony that you will be able to help me in resolving this problem. 
My current predicament is the result of an unknown error which occurred during my XX/XX/XXXX semester. I attended classes with XXXX and received grades all throughout the semester. It was only brought to my attention just after the semester had ended, while preparing for my XX/XX/XXXX semester, that the university had no record of my attendance during the XX/XX/XXXX. Evidently, in XX/XX/XXXX when I had applied for a loan for the XX/XX/XXXX semester, Sallie Mae had never transferred the funds to XXXX University, and consequently the university did not recognize my attendance during that time. Despite the appeals from my professors, the university deemed that they had no record of my enrollment after XX/XX/XXXX, resulting in XXXX and Sallie Mae proceeding to begin billing me for student loan payments under the assumption that I had withdrawn from school. In XX/XX/XXXX, upon learning of the full extent of this clerical error, I was unable to pay the XX/XX/XXXX bill and was forced to cancel the semester. At this time, I was completely locked out of the university 's system until the bill was paid or semester was canceled, and was therefore unable to register classes in time to meet the XX/XX/XXXX start date. After making a complete assessment of my standing with the university through many meetings, I immediately re-enrolled as soon as I was granted access with XXXX to resume classes in the XX/XX/XXXX and have remained a XXXX ever since. 
I have attempted to rectify this situation with Sallie Mae and XXXX through repeated written correspondence and phone calls and have even made multiple deferred payments. These efforts were successful with XXXX, as they recognized the error and cleared things up swiftly. Sallie Mae, on the other hand, has ignored my requests to resolve this and has instead incorrectly charged off the two loans mentioned above to a of debt collection agency. 
Additionally, this situation has negatively impacted both my credit history and my father 's who is a co-signer on the loans. 
It is my understanding that student loan bills would cease at this time until after my graduation given that I am XXXX at XXXX University, and have been since the XX/XX/XXXX. It is my hope that upon reviewing my testimony you will be able to help me in resolving this problem so that I do not continue to be wrongfully billed for these loans. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Balance Updated on 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  This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there has been a number of " hard inquiries '' on my report were not subbmited by me and i need assistance in removing them.
Product: Credit reporting or other personal consumer reports

the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit
Product: Debt collection

I have received additional communication from Unifin about a debt that was previously discharged in a bankruptcy. Unifin has been contacted in the past, including a previous CFPB complaint filed by me, for attempting to collect on the same discharged debt in XXXX of XXXX. This company will not leave me alone despite knowing I filed Bankruptcy and the debt they are attempting to collect on was legally discharged. 

In XXXX of XXXX a CFPB complaint was filed against UNIFIN under complaint # XXXX for unlawfully attempting to collect a debt referred to UNIFIN for collections. The UNIFIN reference number is XXXX. Original creditor XXXX XXXX XXXX also named in the 1st complaint. The current creditor is XXXX XXXX who is using UNIFIN to collect. The complaint was resolved in XXXX with UNIFIN acknowledging the bankruptcy and agreeing to stop collecting on the debt. The bankruptcy information is as follows : Case # XXXX - XXXX XXXX Bankruptcy XXXX XXXX, no asset case Date Filed : XX/XX/XXXX Date XXXX : XX/XX/XXXX In XXXX of XXXX I received another collection letter from UNIFIN XXXX XX/XX/XXXX. This is 15 months after they were notified that the debt was XXXX. This letter contains a docket number for a judgment ( XXXX XXXX XXXX XXXX ) filed XX/XX/XXXX while I was protected by a Bankruptcy stay and which was legally XXXX in my bankruptcy. There is BOLD lettering stating " The XXXX of XXXX Now ''. It is my understanding that after a debt is XXXX in a chapter XXXX bankruptcy, there is nothing owed.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I had NO IDEA why. I did not apply for credit, housing or employment anywhere. This was fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX During the past XXXX XXXX months XXXX Commerce Bank XXXX XXXX has promised and promised and promised to REMOVE THE CREDIT INQUIRY they put on my credit file XXXX XXXX XXXX. But it is still there as of today, XX/XX/2022. I have attached two letters from COMMERCE BANK XXXX XXXX saying they will remove the inquiry but nothing has happened. I don't know why they keep promising to remove it but fail to do so. 

What should I do besides submit more complaints!?! 

Thank you.
Product: Bank account or service

I had a check bounce due to insufficient funds. I was charged an overdraft charge of {$36.00}. I was unable to pay the {$36.00} so they started charging me {$7.00} everyday after that. On XXXX XXXX I spoke with someone from the bank and they waived {$98.00} in fees which put the negative balance down to {$130.00}. He told me to pay what I could and to get it paid up as soon as I could so that the account can be closed. On XXXX XXXX I pay {$14.00} to bring the negative balance down to {$120.00}. Since that time I have received several calls from PNC bank and I have told them that I will pay {$60.00} on XXXX XXXX and will keep paying on the balance until it is a positive balance. Today on XXXX XXXX I have noticed that they have started to charge me the {$7.00} each day. How is XXXX supposed to pay this off when they keep doing this. I am on a fixed income and doing the best that I can to get this paid. Why ca n't they just let me pay this off and stop charging me more fees. I know that it has been over a month but I am doing the best that I can do. Please help! I have filed a complain previous to this and I thought the issue was resolved. I am reopening the case back up again.
Product: Debt collection

I was contacted by True Accord on XX/XX/2019 regarding a debt owed by my employer to XXXX for the amount of XXXX. When I contacted True Accord they indicated the debt was owed by me personally despite having my employers phone number and address. They never indicated the debt was owed by a corporate account and instead led me to believe I was personally responsible for the debt. I disputed the debt as an individual on XX/XX/2019. On XX/XX/2019 True Accord responded that the debt was indeed owed by me as an individual and provided supporting documentation provided to them by XXXX. Upon reviewing the supporting documentation all account information was listed under my employers name and not my name personally. I contacted True Accord on XX/XX/2019 to inform them that the information they had sent me indicated this was a business account debt and not an individual debt owed by me. I was told by the representative and their manager that they were only going to seek payment from me as an individual despite the supporting documents not having my name on them anywhere. They also indicated that they would not seek the payment from the organization whose debt the name was under. When I explained their supporting documentation did not indicate the debt was in my name they claimed they had no supporting documentation despite them sending it to me via email. When I provided the name of the individual who had verified the debt and sent the supporting documentation to me they claimed no such individual was employed at True Accord. When I inquired about my personal credit rating they indicated that XXXX would be showing up against my credit report. 

I then contacted XXXX directly who confirmed that the debt was not in my name personally and was indeed the debt of my employer and that the information they provided to True Accord indicated that it was not an individual debt. XXXX also indicated that the debt would not be levied against my personal credit rating and in fact their agency was one that did not show up on credit reports at all.
Product: Debt collection

I have a Derogatory remark on my credit score. Showing that XXXX XXXX XXXX XXXX has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be Sallie Mae. I contacted Sallie Mae and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.