23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I am less than 30 days behind on my payment. I scheduled a payment online several days ago to process on XXXX/XXXX/16. This morning I received an email regarding this matter, however my email and about 10 other emails were attached in the same message. I feel like this is personal information that should not have been shared with multiple parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I my complaint is with my loan services Navient. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at Navient. Never received a response. I made several phone calls to Navient about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!
Product: Mortgage

In XX/XX/XXXX I paid {$12000.00} to avoid foreclosure, Bayview Loan Servicing posted this amt. on XX/XX/XXXX w/ {$3200.00} placed in Unapplied Funds. How those funds were applied has not been explained. I received a statement dtd. XX/XX/XXXX stating next payment due XX/XX/XXXX for {$1500.00}. On the XX/XX/XXXX mortgage statement the next payment due date changed to XX/XX/XXXX and the payment amt. change to {$2200.00} with no explanation for the {$700.00} added as XXXX XXXX XXXX Bal. Since I was current I did not understand. I called customer service on XX/XX/XXXX requesting an explanation, I was told that my complaint was logged and someone would get back to me. However, I have since logged two addition inquires and have yet to hear from anyone. On XX/XX/XXXX I made a payment of {$1500.00} to be applied to the XX/XX/XXXX bill since that is when the statement stated as a due date. On XX/XX/XXXX I made a payment of {$11000.00} to be applied to the XX/XX/XXXX. The XX/XX/XXXX mortgage statement had a payment due date of XX/XX/XXXX which as far as I was concerned had been paid on XX/XX/XXXX however on the XX/XX/XXXX statement Bayview assessed a late fee {$56.00}. Bayview did not post a XX/XX/XXXX mortgage statement. On XX/XX/XXXX I made a payment of {$1500.00} for XXXX XXXX payment however on the XX/XX/XXXX mortgage statement I was assessed a late fee {$56.00}. They also report to the credit agencies that I had been 30 days late on my payments on more than once. From that point on it appears that Bayview Loan servicing has misapplied my payments or held them up. So much so that the {$600.00} payment I made on XX/XX/XXXX was not applied to the XXXX payment and because their statements are so complicated I can not tell when it was applied. By their records it appears that some payments were processed twice causing Insufficient funds fee in the months of XXXX, XXXX, XX/XX/XXXX and XXXX of XXXX. In addition from XX/XX/XXXX to XXXX XXXX Bayview added an additional {$71.00} to the required Escrow payment and from XX/XX/XXXX to XX/XX/XXXX an additional {$63.00} has been add to the Escrow payment for a shortage/surplus spread but the escrow projection does not add those additional amts. Bayview provides no accountability as to what the {$1300.00} has been applied to. On XX/XX/XXXX my homeowners insurance was paid in the amount of {$1700.00}, Bayview forecasted it to be {$1900.00}. The saving has not been credited to my account anywhere that I can see. On the XX/XX/XXXX statement Bayview states " misapplication reversal '' and shows a payment made in the amount of {$0.00} however in the month of XX/XX/XXXX I made payments totaling {$3200.00}. In my opinion Bayview Loan Servicing has misappropriated my money especially with the " extra '' money added into my escrow account. Holding mortgage payments in suspense is unfair to the customer even if that customer is late because Bayview continues to add fees.
Product: Credit card

I accidentally paid a balance on the wrong credit card resulting in a credit on this card of {$5700.00}. I contacted the credit card company immediately after receiving the statement that alerted me to my mistake to have them send the money back to my checking account. I was told on the phone by the credit card representative that this process would take 10 business days. I did not receive the return of my money in the allotted time frame and when I followed up with the credit card company they told me that the request must be approved and they are unable to tell me when my money would be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was Charge off account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this Charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Checking or savings account

I am here submitting a complaint against 'Marcus by Goldman Sachs XXXX in potential fraud that it attempted to perpetrate against me ( and my XXXX brothers who received the same mailing ) with regards to benefits purported to be available and owed to us as a result of my father 's death. I am a grieving widow and daughter -- having lost both my father and my husband in the same XXXX XXXX XXXX in XX/XX/2022. A few days ago my self and my two brothers each received a XXXX priority mailing from Goldman Sachs Bank. Although the material purported to be sent to me as a " named beneficiary for a deposit account '', the name of the deceased was not included in the paperwork nor was there any specific information included about said account. The lengthy document did however include requests for a substantial amount of personal information, with the mailing also including a pre-paid envelop -- all very official appearing. Several calls placed to Goldman Sachs in order to verify the mailing were met with obfuscation ( in one instance ) and finally ( in a second call ) a concession that my father 's Goldman Sachs account had been closed and, for some reason, still held {$3.00}. 

I want to know from Goldman Sachs : Why did they contact us if my father 's account was already closed? Further, I want Goldman Sachs to explain why the following personal information was demanded of me in its mailing to me as a supposed beneficiary of an account ( which was in fact not the case since the account was closed ) : -- My father 's death certificate -- My completed XXXX including my social security number -- My date of birth, address, and full legal name -- A notarized copy of my state/US government identity card -- Verification of my willingness to undergo a background check In addition to my receiving a XXXX share of {$3.00}, what use did Goldman Sachs have planned for my personal information? And finally, I want Goldman Sachs to provide a response to how it planned to safeguard my personal information? I am astonished, quite frankly, by the blatant attempt by an apparently legitimate company ( Goldman Sachs ) to extract my personal information and that of my deceased father. I can't help but suspect that Goldman Sachs is engaged in data harvesting, which could leave me vulnerable to identity theft. In submitting this complaint, I want to force Goldman Sachs to explain itself in order to safeguard other vulnerable Americans. 

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

I paid off my account and was later charged interest on the account when i contacted them the late charges and interest were removed and i was even sent a refund check but they refuse to remove the XXXX months delinquent marks on my credit report that says i was delinquent in XXXX or XXXX and XXXX of XXXX i have disputed it several times with transunion and they keep coming back as accurate and i contacted commity bank and they said there was nothing they could do XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the 3 bureaus and ave not heard back as if yet in regards to my results.
Product: Credit reporting or other personal consumer reports

XXXX ( whoever they are ) has a {$500.00} collection debt billed to me in error. I still have active service with this company. I cancelled their television services and returned their equipment. Because I was working my daughter XXXX is authorized on the account so I asked her to contact them on my behalf and they admit the debt was an error and would be removed. I dipute the debt with Experian, the debt is now with XXXX XXXX XXXX. Experian claims to have validated the debt. I want to know how experian is validating these false debts. What information was obtained that caused them to say the debt was valid because it absolutely is NOT and I have attached my conversation with this XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the negative account appearing on my credit
Product: Checking or savings account

Complaintant : In Re : XXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX, Ohio Probate Case No. XXXX USAA Account Checking : XXXX USAA Account Savings : XXXX My File Reference : XXXX I am the XXXX Co-Administrator, duly appointed and bonded. USAA holds funds belonging to the estate decedent, a consumer holding consumer accounts at USAA at the time of his death. On XX/XX/XXXX I sent that organization a certified letter directing it to surrender the checking and savings account funds in the name of XXXX XXXX XXXX, XXXX. USAA failed to even change the mailing address. The USAA organization is holding up the closing XXXX this XXXX, which was opened in XXXX, XXXX. A certified copy XXXX my letters XXXX authority were sent by certified mail, to which I received no reply. On the phone call to USAA, USAA demanded MY personal identifiers rather than accept the ESTATE 'S Federal EIN number prior to releasing any funds. This is unlawful, as the Estate is a person under the law, entitled to due process in the execution of contractual rights. The XXXX holds no title interest in the assets of these accounts, merely the right to collect and administrate these funds for the benefit of the Estate pursuant to his appointment powers. The Estate stands in the shoes of the deceased consumer, whose personal identifiers are a matter of record with USAA.

I request the release of funds in both accounts styled above using one complaint as this requested transaction is common to both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstpoint collection resource, a debt collector on behalf of XXXX XXXX, has prejudicially filed collection accounts for medical billing connected to an ongoing liability claim. I have asked both the medical provider and collection agency to file a lien with my attorney, XXXX XXXX, in XXXX, NC. All medical bills will be paid when the claim is settled. The at fault insurance company has accepted fault for the accident. 

Please have this credit agency remove the 16 collection accounts from my credit profile and have them file a lien with the attorney so they can be appropriately compensated by the at fault insurance carrier.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXXederal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying desperately to fix my credit score. Im a homeless veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and trans union, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear NCB, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that NCB, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for NCB, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that NCB, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that NCB, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was declined for credit by XXXX XXXX XXXX XXXX as a result of a pull from " Trans Union ''. On XX/XX/XXXX I requested my report from trans union via snail mail but received no reply. I re-mailed the letter again on XX/XX/XXXX and have n't received a response yet. It is unfortunate that unless the CFPB intervene trans union will not comply with regulations.
Product: Debt collection

XX/XX/23 - Received a phone call from XXXX asking to speak with XXXX XXXX. Informed person that they have the wrong number and that I've received multiple phone calls in the pass from this number asking to speak with the same person. I've explained I am not XXXX XXXX and that the number they have on file is incorrect. In addition, I have asked repeatedly to remove my number because this is also my work number.
Product: Checking or savings account

XX/XX/18 Open a Account I was not able to open a additional account at a bank that I already have a account open?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts on my credit report that are not mine please help me resolve this issue as soon as possible
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I entered into a loan agreement with my local Check Into Cash. On XX/XX/2021 I contacted Check Into Cash in writing ( via email ) and revoked my XXXX agreement. I also called the company to confirm that they received the email. I spoke with a representative that confirmed that the XXXX was revoked and the transaction would not go through my account. She stated that she was passing the information on to the branch immediately. In early XXXX I contacted the corporate office again to give a Cease and Desist order. I asked that only my personal cellphone number be contacted. I did not authorize calls to any other number on the account, including my business phone. 

Today, XX/XX/2021, over a month after my XXXX was revoked, Check Into Cash debited my account for the full balance owed. This left my account extremely negative, is causing other bills to bounce, and is costing me money in overdraft fees. In addition, the local branch as continued to call my business phone. 

This is a direct violation of the Electronic Fund Transfer Act, and UDAAP.
Product: Debt collection

Contact company via certified mail to cease telephone call and all further contact to be via US mail. Valid mailing address was provided yet they continue to call DAILY. The number they are calling is not my number but a friend 's and they wish the calls to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit scores having problems. As soon as I get a company off credit score.Another comes up.  There are severalXXXX XXXX. Unknown accts keepsAppears.  There is several XXXXIn North Carolina and some deceasedAnd alive. XXXX was on my rating.I disputed. It wasn't me. After disputingIt. And several more. Stop this madness.It's messing up my credit ratings. ThanksXXXX XXXX XXXX
Product: Student loan

It's sad I have to ask for your help as nelnet allegedly accused me of filing identity theft for student loan balance when I took the time to provide evidence on XX/XX/XXXX via certified mail Tracking XXXX and uploaded documents in the Neltnet portal on XX/XX/XXXX. On XX/XX/XXXX, I spoke to another lady who called and spoke with me for XXXX mins with ZERO assistance and stated if the school defrauded me and charge for room and board to inflate the numbers on the loan amount for their benefit is not Nelnets problem as they are only the servicer. The female on XX/XX/XXXX did not offer to investigate and validate the debt for excessive amount of over {$27000.00} + Interest accumulated since XXXX XXXX for room and board in which I attended school 100 % online. the loan balance is inacurrate and Nelnet does not care. I sent all info and still no recourse to fix the issue. It is unfair and unconscionable that I should pay for something I did not receive. I asked nelnet female agent on XX/XX/XXXX the detailed audit breakdown of the XXXX XXXX XXXX of my account, XXXX number and XXXX of Nelnet so I can offset my accounting records for the fraudulent amount tagged to the loan balance for room and boarding and I was denied the info I demanded on the phone to be mailed and also in my letter to Nelnet via certified mail and todate Nelnet is acting unconscionable and unfairly. 

Nelnet also has failed to update my legal name since XX/XX/XXXX as this has affected issues with name variations on my consumer reports of not able to get instant approvals. I sent documents on in XXXX, XXXX and XXXX and to date I have been ignored Nelnet has all documents on file with respect to my dispute escalated to you now