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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : 1. XXXX [ Account XXXX : XXXX ] - Experian is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
2. XXXX XXXXXXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ], XXXX  [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX, XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] XXXX XXXXXXXX XXXX XXXX [ Account Numbers : XXXX and XXXX ], XXXX XXXX [ Account Number : XXXX ], and XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections. 
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Student loan

I am writing to file a formal complaint regarding my federal student loans, which were serviced by Navient. Navients practices may have violated consumer protection laws and regulations, and I am seeking assistance in obtaining relief under recent settlements. 

Relevant Background : XX/XX/XXXX State Attorneys General Settlement : Navient agreed to a {$1.00} XXXX settlement with XXXX state Attorneys General, addressing allegations of predatory lending practices and forgiving private loans held by Navient, many of which were in default. 

XX/XX/XXXX CFPB Settlement : Navient reached a settlement with the CFPB for {$120.00} XXXX to address unfair practices involving federal student loans that may be eligible for relief under the Consumer Financial Protection Act ( CFPA ), which prohibits unfair, deceptive, or abusive acts or practices. Navients alleged predatory practices, including issuing private loans to borrowers attending schools with low graduation rates and limited job prospects, mirror my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affected by recent Equifax security breach, personal information stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Debt collection

This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. This complaint is regarding the following : Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance. 
FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their customer service representatives are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. I have had over 30 calls with them. In each call, I have had to repeat the complete story from the beginning. Every representative says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within 48 to 72 hours, and nothing gets resolved. On my call to FirstBank Mortgage on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX, she said I will personally call you within 48 to 72 hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. As of XX/XX/XXXX they still show late fees of {$710.00} on my account that have not been reversed. Nobody has called me to indicate that these charges have been reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated waiting on Equifax to conduct their investigation. I contacted them months ago and have not heard back from them. They are reporting unverified erroneous information on my behalf and will not respond or correct the problems. They seem to not care about violating the FCRA or my consumer rights because they have totally ignore me and my request to have inaccurate information removed from my credit report.
Product: Credit card

The reported late payments do not match my usual payment consistency. I request that you remove them and update my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from Mr. Cooper of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to Mr. Cooper for the loan amount. ) This XXXX, the XXXX  between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.
Product: Mortgage

I received a collection notice from my township in the mail on XX/XX/16, stating that our property taxes had not been paid and that additional late fees had been added. After contacting the property tax/escrow department at my bank and mortgage lender ( M & T Bank ) they informed me somehow in their department they entered an E instead of a D for the parcel number ( despite being provided the correct documentation and number from my end ). They used MY escrow to pay for an adjacent Unit 's property taxes. A person in the department submitted a tax delinquency form which will take up to 14 days to review. It is not until after that, they said, that I can then try and submit claims/paperwork to get the penalty fees paid for or submit a complaint. 

This has now taken me over 24 hours to figure out, something the bank was not even aware of until I called. And now will resort to weeks of stress and additional phone calls/emails that I have to deal with all because the bank messed up.
Product: Checking or savings account

This is a FRUAD issue however there wasnt a checkbox for that so I checked the box that was similar. On XX/XX/XXXX I noticed I had {$2700.00} was taken out of my account I called my bank Wells Fargo to figure out what was going on and the phone rep said there was a check cashed in that amount I told her it wasnt me and she said she would have to transfer me to the claim department to file a claim which I did. When she transferred me to do so I was told the same thing that there was a check that was altered and cashed on XX/XX/XXXX and was taken on XX/XX/XXXX and she was not able to give me further information. She said to be patient and gave me a claim number that it would take 5 bs days to gather some information I was never offered a credit while they researched nothing. I waited 2 days and called back and had to go through 5 different reps because they didnt have the claim number I was given and said I never filled a claim this went on for 4 weeks. I kept calling giving them the same information and was given a different claim number every time. They kept giving me different information as well so I decided to call there Corp Phone number who then foiled another claim they really didnt k ow what was going on eighter. I had to go trough so many reps this went on for a month in half untill I finally had a XXXX from there executive claim team to help. He told he the same that a altered check was cashed in my name I told him I filed a police report and I filed with ID theft too. He said that someone went in the bank and cashed the check using an ID again I told him it wasnt me and I had plenty of proof I also asked if he could have the bank pull the camera footage to prove this. He said he reached out to the bank Wells Fargo in XXXX CA where it happened and asked for footage and it would take some time 2 months later Im still dealing with this he finally reached back to me when I called every couple of days for info and said that the bank hasnt given him an answer and I would have to call the police to get the footage myself he was very rude. I called the XXXX police department where I filled my police report and told them what he said and they said that the bank has to be the one to get the footage. I need help the money that was taken from me is my savings I needed to bury my mother and I dont know what to do. Ive spoke to over 15 different reps had an executive rep XXXX to be told he cant help me and they are not giving me back my money. This is all stance. I also asked him if the check is altered what was the name that it was altered from and who was the check from he told me it was a Insurance company XXXX XXXX. So I XXXX  this company and called and spoke with there fraud department and gave them the information XXXX gave me and they said that check was Voided XX/XX/XXXX and had a different name on it. I have there information if you need. Theres a lot more to this. I have all my proof it wasnt me and need my money back that was taken Wells Fargo has been rude and unprofessional with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$9200.00} Closed CREDIT CARDS XXXX Reported : XXXX XXXX XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX XXXX Reported : XXXX XXXX, XXXX + {$480.00} Needs Attention
Product: Bank account or service

Here 's the situation : I 'm a medical student studying in XXXX, and moved here a couple of years ago from XXXX. My parents wanted to send me some money to help with tuition and living expenses, so I set up a XXXX PayPal account to transfer funds between my XXXX and American bank accounts, because the fees for international exchange would be cheaper that way. 

After verifying my XXXX PayPal and getting it fully activated, I tried to send the money my parents gave me ( about {$7000.00} XXXX from my XXXX account to my XXXX on XX/XX/2016. According to PayPal, it takes about XXXX business days to process an international e-check transaction, which was no problem. However, after that time passed and the transaction cleared from my bank account, it still remained " pending '' on my PayPal account, with the money not showing in the remaining balance on either side. I called them asking about it, and they said for XXXX transactions it can take up to XXXX business days. As you probably guessed, that time passed as well with no status change. I called my XXXX bank, and they said there was n't much they could do because the funds had already cleared from my bank account. I thought PayPal may have put a hold on it for risk assessment ( as they explain in their Terms of Service ), but they never notified me about it and as such it would be a breach of their TOS if it were in fact a hold. 

And so, I called PayPal again ( now over a month since the original transaction should have gone through ), and they said it was " an XXXX. issue '', and that they " have escalated it and are looking into it '', but would n't give me a time frame for when it would be resolved. It seems as though, despite the money clearing from my XXXX bank account, PayPal 's system did not recognize the reception of funds. 

Now, it 's been over a month since my tuition for this semester was due, and I do n't have enough to cover it without those funds. I 've contacted the financial office at my university, and they were very understanding and did n't assess any late fees ; however, they did say it could affect my ability to register for class next term if it is n't paid by then. 

I am submitting this complaint now because, after XXXX months of waiting, XXXX separate calls and countless assurances that my issue would " be resolved soon '', I feel I have no other choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. 
These are the following inquires : XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXXXXXX 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
Product: Debt collection

Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX. On XX/XX/XXXX I received a notice of eviction. On XX/XX/XXXX I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property upon termination date of my lease. On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX.

The creditor is accessing me an early termination fee and various other charges under the lease. I have disputed the validity of these charges with the collection agency and the creditor. I have requested copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter.

OnXX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''.
Product: Debt collection

I have a bill collector by the name of Jefferson Capital system LLC trying to collect a debt that I am not aware of I do not recognize this bill and I would like to dispute it and file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to the original complaint filed with the ( CFPB ) on XX/XX/XXXX. My issue has still not been resolved with XXXX. I have filed 8 disputes on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX is still reporting false and inaccurate information on my consumer report. 
XXXX has not verified information with The Department of Education or Nelnet because if so my consumer report would reflect and update accurate information. 
I've called The Department of Education and was told that XXXX has not called them to verify any information about my account and that they would not send another update unless information was not correct so I'm concerned that a investigation has not been completed since The Department of Education has not been contacted. Updated credit information from The Department of Education was sent to all three credit bureaus on XX/XX/XXXX to remove Department of Education account from consumer reports and XXXX has denied receiving update. 
XXXX has not contacted Nelnet to verify any information or completed an investigation because if so XXXX would not be reporting pays as agreed to an account that I'm in forbearance with until XX/XX/XXXX and have not made any payments to them so this information is false and incorrect. 
I've sent letters from The Department of Education and Nelnet to XXXX stating this information and they have still refused to update files but have agents telling me to call The Department of Education and Nelnet to update files with correct information. I've called both companies and was told that XXXX would have to call and verify the information with them and XXXX refuses to do so. 
If the Department of Education would send an update to XXXX to remove from consumer file as XXXX and XXXX have I would greatly appreciate. 
If Nelnet would send XXXX an update to remove from consumer report until forbearance period is over and I start making payments so that false information reporting would be removed. I'm confused on how XXXX is verifying and conducting investigations if they are not contacting the creditors to see if information is accurate that they XXXX are reporting while closing out disputes as completed without an accurate resolution.
Product: Payday loan, title loan, personal loan, or advance loan

Every other month they will claim that my payment is late because they don't collect my auto pay and charge me an additional XXXX $ I have paid well over XXXX $ in late fees on a XXXX $ a month payment and my payments are never 30 days late. i only know it wasn't auto paid when i get a text from them on the XXXX to let me know i haven't paid for the month. 

Beyond frustrating and clearly a built in bug that allows them to collect more late fees.
Product: Debt collection

Please see attached documentation I am demanding for Caine & Weiner to cease and desist collection efforts, and cease from reporting to the consumer report as I didn't receive notice of the debt within 5 days. Nor did I give Caine & Weiner consent to speak to me in regards to this alleged debt.
Product: Credit card

Here is a portion of one of many letters I sent : " I am responding to Capital One 's letter dated XX/XX/XXXX regarding a disputed charge from XXXX XXXX XXXX in the amount of {$120.00} dated XX/XX/year>. Although I have gone through this issue at length with your customer care rep on the telephone, it seems I am now required to reiterate the reasons for which I am disputing this charge. 

In sum, XXXX  is a XXXX  car service that provides airport transportation. They did not pick me up at the airport, the driver wanted me to meet him at the opposite end of the large terminal -- a good XXXX minute walk from baggage claim and so I took a XXXX  cab home. Now, I am asked to pay for the fact that this very clueless driver showed up at all, though no service was provided. He stated he couldnt meet me at baggage claim because security would not permit him to pass through without a boarding pass. 
The baggage claim pickup area in NO WAY requires one to pass through security, as was demonstrated by the line of drivers from other services holding passenger signs and meeting them at baggage claim. The XXXX driver suggested we meet at The XXXX XXXX at the opposite end of XXXX XXXX XXXX XXXX, a very long distance away. I told him on the phone this was not the service I contracted for, and he said he understood. I took a cab home ( see charge on statement ), and yet was billed by XXXX. ''
Product: Credit reporting

I submitted a request for my free annual credit report to Equifax approximately 45-60 days ago and have not received my credit report in the mail, nor have I heard from the company. I have made this complaint previously ; the company contacted me and said the information I gave did not match their records. I have lived at my current address for over one year now and XXXX and XXXX both had no problems with their internal information and I received my credit reports from them with no issues. There is no reason why Equifax should not have the correct information on file considering my mailing address, bank information, credit and debit cards have all been under my current address since XXXX, 2015. Lenders and financial institutions rely on the information that Equifax manages, and they have not proactively corrected their mistake.
Product: Credit card or prepaid card

I have many synchrony bank issued cards and they closed every 1 of them..I have always paid on time and more than minimum due. I have good credit and decent scores and I disagree with them doing this to me. I want my cards opened back up because this is unfair to a credit worthy consumer and I also make over 100k yr and have no troubles paying my accounts..none of them even with other creditors..I want something done to make this right.