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

This is my 3rd time disputing this account with the creditor. The creditor keep adding and removing this account. Creditor reached out to me via email in attempt to collect on this account that has been sold to them. When I refuse to pay, they added the collection to XXXX. 

I would like to remove the following collections from my credit report. 

Please apply these laws to this account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

I received a letter from the law firm of XXXX, XXXX, and XXXX, XXXX today XXXX/XXXX/XXXX. 
I called them and told them I would love to repay the citizens bank student loan and was doing so to another law firm XXXX made small monthly payments until I pass my board exam and able to have a job and pay the entire amount ) but what has happened is my phone broke and I missed a payment because I couldnt locate the loan info for the previous law firm and my account got transferred from the previous law firm to them. I told XXXX, XXXX, and XXXX that I can not pay the entire {$14000.00} because I am a still a XXXX a full time mom to XXXX XXXX now, I just had a XXXX XXXX XXXX XXXX I told them I needed assistance in repayment where the paralegal speaking to me didnt want to hear anything I had say instead was very rude and mentioned over and over that he is citizens banks lawyers not mine and hes not concerned with my difficulties and I had no options for repayment except to pay the entire amount. I was baffled and confused by the rude tone and arrogance of this person, he kept saying we are moving forward in court to intimadate me and I called my lawyer where I was made aware than that kind of communication coming from the law firm of XXXX, XXXX, and XXXX was absolutely unacceptable. Also the information about my loan was inaccurate and when I asked about my loan balance it was also incorrect and it seems like they are charging me extra. Not only was this law firms representative extremely unknowledgeable about the loan, but rude and arrogant and proceeded with harassing me by threatening to move forward and get my co signer involved and more. I request that this law firm company no longer contacts me and takes courses on communication, customer service, and stops giving out inaccurate information.
Product: Credit reporting or other personal consumer reports

Investigate the following accounts that fraudulent charges were made and inquiries : Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

have private student loans that hav been steered into forbearance plans that just make the balance go up and don't really help. I rely heavily on my sphere of influence because I do real estate and my client whose also a family whom I sold a home to have gotten calls from navient about me without my consent, resulting in lost business. No refferals and or testimonials either from that client. I think the negative light that I was put in by navient has been a direct result of this. I've also experienced harassing phone calls for the better part of 5 years over 20 calls a week. This resulted in for performance and when the phone call stopped I can see a clear change in my income. I've had calls on the record before XXXX disrupting my work flow. I've been threatened regarding my assets and with lawsuits. They also disabled my online account so that I couldn't pay without calling them and I had to miss work from that as well I have emails and records of that also. 

I have around {$30000.00} of private student loans with navient and they have only grown with the stress of these scare tactics and payment plans that are misleading
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened and inquiries were made without my consent or authorization. 
As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$770.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2400.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Student loan

On  XX/XX/XXXX , I spoke with a man from Fedloan who told me I could consolidate my husband and I 's loans by filling out a single IDR plan request form. He told me our payments would each be  XX/XX/XXXX  dollars a month. He told me exactly how to fill out the form and said only one form was needed to cover both of us, and this would consolidate our loans together. I filled out the form and mailed it to them. They acknowledged they received it when I called over a month later. They said it was being processed. After no word, and noticing my husbands monthly payment shooting up to almost 300 dollars, I called Fedloan again and was told they stopped allowing married borrows to consolidate years ago. This was completely contrary to what the other representative told me. They said, I needed to resubmit an application and so did my husband. We each did this. This was on  XX/XX/XXXX . On  XX/XX/XXXX  we resubmitted yet ANOTHER IDR request form because I contacted Fedloan again ( again, since they had not gotten in touch with me and we were getting notices our payments were past due ) I called a representative who told me my husband could fill out a consolidation request form on studentloans.gov, which he did as well as submitting the proper paper documentation. I asked him what to do about my husbands overdue account which was past due. He told me no problem, there would be no penalty if we just instantly filled out and scanned a general forbearance request to cover the payment until the IDR/consolidation request was processed. We filled out and submitted/scanned AND mailed this form that very day. On  XX/XX/XXXX  Fedloan wrote my husband and told him his account was 21 days past due and " he had options, such as applying for forbearance ''. We had JUST submitted the request the day prior. We are concerned because we know we lose our rights after 30 days but we have been getting the runaround from Fedloan since early  XXXX  and every representative gives us a different story. Our credit score has been stellar but I 'm afraid of Fedloan ruining it. I contacted them again today to remind them of our  XX/XX/XXXX  forbearance request form and how they evidently ignored it since they wrote us a warning of a past due payment the day AFTER this form was submitted electronically.
Product: Mortgage

I mailed my XXXX payment to Specialized Loan Servicing on Friday, XX/XX/XXXX from XXXX, TN, and the payment was mailed to the lockbox address in XXXX, GA, which only takes two days max, as this is always my normal process since there is a fee to pay over the phone or online. I called the mortgagor on Friday XX/XX/XXXX because my payment hasn't cleared my checkings account only to be told that the payment hasn't arrived nor posted to my account and that it has been reported late to the credit bureaus. I attempted to dispute the credit reporting as the payment was made on XX/XX/XXXX but was told I would have to have proof it was mailed. After this conversation I made the payment over the phone, in which I incurred a fee, and forced to make the XXXX payment as this was the only payment amount it would allow. I received a statement a week later showing where the missing payment " mysteriously '' arrived and was posted to my account, only after I requested a stop payment on it and made the previously mentioned telephone payment. This sounds very suspicious that the payment would be posted after I made the previous payment. I have researched this issue and noticed that other consumers are experiencing the same issues of late payment postings with SLS ... they negatively reported my account as delinquent in error since they didn't go by the date of the check I originally issued. I believe this is unfair as I mailed the payment on XX/XX/XXXX and feel that this is the date that the payment should be honored. They haven't been helpful in my dispute of this issue and I am requesting that this negative mark on my credit be reversed as it due to a possible oversight on their part. I have utilized the same method of payment for sending in payments via mail and the payments always got posted/applied timely, so I believe there was an error on their part that caused my payment to be misapplied.
Product: Credit card or prepaid card

I paid citibank {$450.00} which left a credit of about {$150.00}. As of XX/XX/XXXX, I  had a remaining credit balance of XXXX. Citibank sent a check to me on that date, with a notation my account saying I requested the refund, which I had not. I haven ever received the check and cashed it, as verified by Citibank during a phone I recorded with them on XX/XX/XXXX. 

The total charged from XX/XX/XXXX to present are XXXX, which would leave a credit balance of XXXX, but they charged me late fee and interest of {$25.00}, which they refuse to remove, which leave my account past due. 

The mistake is theirs. Until I receive and cash a check, they still have my money. They sent money I did not request. They are applying the check back as a credit but not dating to remove the late charges and interest fees. 

I spoke with an account supervisor XXXX ID number XXXX, who refused to remove the charges until I made a minimum payment of {$25.00}. He said the account was late. I can not have a late account when my credit would still be over {$7.00}. The only thing making the account late is their late fee and interest, which should not have been charged. 

I had this issue before last year. The company is refusing the interest and late fee refund saying that I had a courtesy one before. The last refund was not a courtesy. It was this same exact issue. It took 3 months to get the check and they kept charging fees and interest, when it was their error
Product: Student loan

This is an on-going problem affecting thousands of students that are now XXXX. The XXXX offers grant money to students who want to be XXXX in XXXX, but the loan servicer responsible for managing this grant ( FedLoan Servicing ) is rampantly abusing this program and wrongly converting thousands of grants into loans for their own profit to benefit scholarships for students in Pennsylvania. They are converting 80 % of grants into unsubsidized loans, and they are doing this intentionally. There has even been a XXXX investigation about this. There have been several articles written about this situation, XXXX of which include information about my specific case : Article 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX A simple web search will also show you numerous XXXX / students complaining about being ripped off by this program with no relief. 

Facts in my case : 1. I perfectly fulfilled ALL the terms of my XXXX Grant, completing XXXX ( XXXX ) years in a qualifying subject area and a qualifying XXXX. 
2. FedLoan Servicing converted my XXXX Grant into a loan based on a mere technicality when they received my annual certification paperwork a couple of days late, despite the fact I had met all conditions required for this grant. 
3. FedLoan Servicing acknowledged in the XXXX Office investigation document XXXX XXXX pages XXXX ) that they did NOT provide the full 30 days required by law because they started the count from the time they dated the letter rather than from the time it was mailed or received by me. I received your letter two weeks after it was dated. 
4. They summarily denied my appeals in this matter with no explanation and would not tell me who conducted the reviews for these appeals or how they were conducted. 
5. In good faith, I repeatedly called and talked to a wide range of people and got nothing but the runaround and gruff treatment from their representatives. ( There are myriad stories posted online about people who experienced the same. ) After being assigned an ombudsman to help resolve this problem, the ombudsman did nothing to help and failed to return any of my phone calls. 
6. I believe they are deliberately converting XXXX Grants for profit and have no intention of honoring the spirit or intent of the XXXX Grant program. I believe they are committing fraud and theft under the thinnest veneer of legality. 

I have contacted my XXXX and a XXXX, and no one has been willing or able to help. There is something truly sinister happening with this. I am currently working to create a class action lawsuit about this. Please do n't dismiss this ... if the CPFB exists for any higher purpose, THIS is something you will find to be worth your time for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~XXXX. I believe Equifax is displaying unfair practices.
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your XXXX ( XXXX ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a XXXX for these accounts. Can you please provide me with a XXXX to accurately reflect them being charged off for tax purposes. 15 US CODE 1692c 15 US Code 1692g 15 US code 1681e ( b )
Product: Debt collection

I noticed a negative account on my credit report from SCA Collections. I have never received any information about this account from the company reporting the information. The company has refused to send me information about this account
Product: Debt collection

There is are  XXXX  items on my   XXXX   report from  Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX
Product: Debt collection

threaten to take me to jail and damage my credit I have asked them on multiple calls to please provide me documentation, and to stop calling my job and how did they get my credit information and also who gave them my work number. the call will not stop. and I have never had a account and wan them to stop harassment to stop. they are trying to make me loose my job. 

Individual Account Date reported XX/XX/year> Account status Unpaid Creditor Classification Utilities Original amount owed {$340.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/year> Agency CREDIT SYSTEMS INTERNATIONAL INC Status date XX/XX/year> Delinquency Date of last payment Balance owed {$340.00} Comments None Balance date XX/XX/year> Date of first delinquency Agency contact information CREDIT SYSTEMS INTERNATIONAL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a charge off for {$1000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in a car accident and deemed a total loss. I had GAP insurance which covered the full amount for the vehicle. Please see a copy attached from my insurance company. There is no outstanding balance due on this account. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I'm demanding that EXPERIAN delete-da these alleged erroneous late payments immediately. I'm expressing that I have the capacity to overstand my federally protected rights. They have NOT provided me PROOF of ANY documentation of my red wet-ink signature, that proves these alleged late payments are correct. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to furbish information onto my credit file. THAT IS A VIOLATION ACCORDING TO XXXX XXXX XXXX  I will not accept these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( XXXX XXXX XXXX AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF XXXX XXXX XXXX, XXXX XXXX XXXX ( ABUSIVE PRACTICES ), XXXX XXXX XXXX ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), XXXX XXXX XXXX XXXX XXXX ( MISLEADING FALSE REPORTING ), XXXX XXXX XXXX ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! 
Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/2023 Ive received an email from my bank telling that Zelle a third party digital payment network is locking ( closing ) my account with them, I tried calling the number they provide for me to one  of my bank customer service but she can only tell me information I already knew so I went to one of their branch and asked for a banker, she managed to get me on a group call with one of the Zelle employees telling me again the same information with no detail and no reason as to why theyre terminating my account with the only explanation that it violated the terms and agreement which I have no idea which terms I was in violation of so Im formally filing a complaint because this company that Ive used for years decided to close my account without any cause or explanation, not even to notify/ give me a warning ahead of time of what action theyre planning to carry through with my account. This ordeal ended up causing me immense stress and inconvenience to me receiving payments on a biweekly basis so Im hoping some restitution can come from this whole situation Zelle caused me out of the blue.
Product: Credit card or prepaid card

XX/XX/XXXX I contracted four, two night stays with the courtyard marriott in XXXX. This is for a total of 20 rooms PER night. 

XX/XX/XXXX ... .the program was not selling and we released the space a minimum of 45 days prior to any of the dates. 

The credit card was charged {$23000.00} and American Express permitted the charge on a card number that was NOT PROVIDED TO THE XXXX. The card provided to the hotel was compromised and was shut off PRIOR to the charge being processed. Why would American Express permit these charges? Is this collusion between someone at the hotel or the hotel ownership and American Express? 

I have fought via American Express with the hotel, because the management is not responsive. The hotel ownership, XXXX is impossible to contact and the fine folks at XXXX Corporate are not willing to step in. 

The best part is, ALL THE ROOMS WERE RESOLD and the hotel did not experience any harm!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. 

To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. 

However, despite our divorce decree clearly outlining the allocation of debts, XXXX XXXX XXXX continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. 
Cease and desist all collection activities : I insist that XXXX XXXX XXXX immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. 

Sincerely, XXXX XXXX