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

I need clarification as to why you are reporting certain information on my credit report. Please review the following accounts. XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX 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. You are reporting these accounts as charged off yet you also reporting a monthly payment? Delete these account immediately for inaccurate reporting.
Product: Bank account or service

On XX/XX/XXXX I ordered XXXX cashier 's checks for {$2000.00} each to be expedited to an address in XXXX. Through mislabeling on Ally Bank 's part, those checks did not reach their intended recipient. It has now been 1 month since I have requested the money be put back in my account and it has not happened. I have been told three different stories from Ally about them either being mailed out, or the money being put back in my account that has yet to happen.
Product: Mortgage

For the THIRD time in FOUR years Bank of America has attempted to force my property into foreclosure. They accepted payment for the loan and sent a confirmation that payment had been received and that the account was current. On XXXX XXXX, I received a notice that they were accelerating the account to foreclosure because they had not received two payments. THIS ACCOUNT IS CURRENT. IT HAS BEEN CURRENT EACH TIME THEY HAVE ATTEMPTED THIS. After 2 1/2 months, they are no CLAIMING that the bank refused to pay the check because the account was closed. IT IS NOT CLOSED AND THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE MADE FROM THE SAME ACCOUNT. They are CLAIMING they sent me a letter to this effect. THIS IS A LIE ; I RECEIVED NO SUCH LETTER. They are claiming that they attempted to call me. AGAIN, THIS IS A LIE. NO ONE HAS EVER ATTEMPTED TO CALL ME.
Product: Debt collection

In XX/XX/XXXX I discontinued my XXXX  XXXX XXXX  service by phone and paid the final bill. Received mail notification of amount due on XX/XX/XXXX of {$150.00}. See attached bill. I called and spoke to several people including the manager about the added 'cancellation amount of XXXX ( early termination ). I was not under contract. The contract expired XX/XX/XXXX. I've returned all equipment ( no dispute ). I do not owe them this amount because I was not under contract. XXXX XXXX has now employed a debt collection agency 'Credence Resource Management ' XXXX who has began calling me. I explained the same statement above to them. XXXX XXXX  is fraudulent to impose this early termination fee. I was a good customer for more than 2.5 years.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct the following errors : Account/Entry Name : 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 XXXXXXXX As per FCRA 15 USC 6802, I understand that consumer reporting agencies are required to maintain accurate information and take appropriate steps to ensure that consumer reports are correct and up to date. I request that the inaccurate entry be corrected or removed as required under federal law. Additionally, under FCRA 15 USC 1681b, you are prohibited from reporting information without my consent unless there is a permissible purpose. I request that you ensure that this report was not obtained or shared improperly, and that any violations be rectified. Furthermore, in light of potential identity theft or fraudulent reporting, I refer to 18 USC 1028A, which mandates that any fraudulent use of personal information must be addressed and rectified immediately. If this entry was the result of identity theft or fraud, I request that the necessary steps be taken to investigate and remove the entry. Please provide me with written confirmation of your receipt of this dispute and the actions you plan to take. If your investigation confirms that this information is inaccurate, I request a prompt correction or removal of the disputed item ( s ) from my credit report. Under the FCRA, you are required to investigate my dispute within 30 days. If you are unable to resolve the issue within this timeframe, I expect to be notified in writing of the results of your investigation. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Student loan

I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. 

XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days,  then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.
Product: Debt collection

I received a communication from TSI on XX/XX/2023 but have never corresponded with or done business with this company. Further, to the best of my knowledge, I do not owe {$500.00} to any creditor as all of my debts to my creditors are in good order.
Product: Mortgage

My current problem is that Specialized Loan Servicing, LLC, the company servicing my mortgage, can not account for {$1200.00} of funds that I paid to them in XXXX of XXXX. They collected {$3200.00} in total for the escrow account on my loan in the year XXXX. On XX/XX/XXXX the escrow account paid {$1900.00} in taxes for the year XXXX. There are no other disbursements that they can account for as of XX/XX/XXXX. My current escrow balance is {$38.00}. I paid my homeowners insurance out of pocket until XX/XX/XXXX when I informed my carrier, XXXX XXXX, that my insurance would be paid by escrow moving forward. On XX/XX/XXXX my policy lapsed and I am having to pay out of pocket again because SLS ( mortgage company ) did not pay the premium from the escrow account. I have talked to two supervisors at SLS, both of whom can not explain or account for the missing {$1200.00} in funds that should have gone to pay my homeowners insurance. XX/XX/XXXX Supervisor XXXX, teller id # XXXX, told me she could not account for the funds and that an escrow analysis won't be completed until XX/XX/XXXX, one year from when they received the loan. She said she would look into the situation and discuss with her peer, Supervisor XXXX, teller id # XXXX and call me back. She has not called me back as of XX/XX/XXXX. I spoke with Supervisor XXXX on XX/XX/XXXX, he too said he would look into the situation and call me back the next day whether he had an answer or not, simply to keep lines of communication open. I have not heard from XXXX, either. I will attach files that are screenshots of the account information I have available to me. It shows the escrow balance of {$38.00}, shows that they have my insurance information and have not paid the provider, it'll show that I have no escrow analysis to access and no accounting of the funds I have paid into SLS. 
My mortgage payment increased 50 % in XXXX from $ XXXX   monthly to $ XXXX monthly. XXXX  XXXX XXXX opened the escrow account without providing proper 60 and 30 day notices, according to XXXX XXXX of XXXX  XXXX XXXX, his business callback number is XXXX. In XXXX XXXX XXXX XXXX sold my loan to SLS because my account was delinquent from me paying only $ XXXX monthly and trying to get my questions answered from XXXX  XXXX XXXX. 
XX/XX/XXXX I spoke with XXXX  XXXX XXXX manager XXXX XXXX, phone XXXX. He said a VP was supposed to call me back in 24-48 hours to answer my questions. I never received a call from XXXX  XXXX XXXX and XXXX never returned the multiple voicemails I left after this date. 
XX/XX/XXXX I spoke with XXXX XXXX and didn't hear from him again either. 
XX/XX/XXXX I paid SLS a total of {$3400.00} to make my account with them current and no longer delinquent.
Product: Credit reporting

I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.
Product: Debt collection

Franklin Collection Agency has placed a debt on my account, for money I do now owe, to XXXX XXXX XXXX. 
Initially, I called Franklin on XX/XX/2020 at XXXX and spoke with XXXX. I gave her the correct spelling of my name XXXX, XXXX. She did not have anything with the spelling of my name! Next, she asked for my phone number, XXXX XXXX XXXX. Again, nothing came up with my phone number! She asked for my social security number, which I refused to give. Not an appropriate question from what could be a scam. Further, I have read that there are numerous complaints about this company, targeting people saying they owe money for an XXXX XXXX XXXX bill, that they do not owe! 
I called XXXX today and they said to call Franklin Collection, ( which I did again, today ), and ask for a document showing, that they have my correct information. I spoke with XXXX at XXXX XXXX, who refused to provide any documentation. Additionally, she refused to look up my name. 
Franklin collection has numerous complaints and needs to be investigated. Further, I need to have this false claim removed from XXXX. XXXX removed it, but XXXX  said that they need a document from Franklin, that they are refusing to provide. 
Please help clear my XXXX  credit report.
Product: Credit card

On XX/XX/XXXX at XXXX I called Synchrony and spoke to an Account Specialist to ask about the online e-signature document that talks about the right to withdraw consent for online services, and receive paper statements. According to them, if you withdraw your consent so that you may still receive paper statements, they may close the account. If the consumer chooses to receive a paper statement, the consumer will be charged {$1.00} per month. 

The E-Sign Act does not permit electronic statements to be the default, but despite this, some financial institutions appear to be requiring in fine print that the consumer consent to electronic statements as part of the application process. The E-Sign Act does not permit financial institutions to compel consumers to consent to electronic statements by making it a condition of a product. Otherwise, the consumer consent protections of the E-Sign Act would be meaningless, as institutions could make E-Sign a condition for all of their products. If the consumer could be compelled to give consent, the the E-Sign Act 's requirement that the consumer must be informed of their right to withdraw consent and the procedures for doing so would be meaningless. The CFPB should clarify that financial institutions can not charge a fee for written statements when such statements are required by federal law. Financial institutions should not, and indeed we would argue, legally can not, charge a fee for providing something they are mandated by law to provide per UCC 9-210.
Product: Debt collection

I am responding to the recent response by USAFUNDS and XXXX XXXX. USA Funds did not respond to my statement that they have not entered disputed on my credit reports and that is illegal USA FUNDS is not doing this, and they need show proof that they have been doing this.
Product: Credit card

I have had an unknown charge on my account from my Apple Credit Card (run by Goldman Sachs) amounting to XXXX on XXXX at XXXX XXXX  in 24 hour format).  I have disputed it many times (dates below)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Multiple dispute cases opened which never seem to go anywhere, first one was XXXX

I have talked with XXXX  Apple Card specialists, and none of them seem to be able to help even after "reporting it."

I can not afford this charge and I need it take off, I have been only given a random location "Apple Store."  They are not able to provide what item was bought or any proof I purchased the item.  Every time the charge is put back with an email following there was not enough information for the charge to be taken away.  The reason for the lack of proof is because the item does not exist, and never has.

I have a close list of every large purchase I have made from Apple and I did not make any Apple item purchase within this time frame or anywhere close to the time frame.

I am requesting help because I am at a loss on what to do next and it seems no one at Apple or Goldman Sachs can help, over the phone or email or texting I am always told they do not know what the item is but the charge is there and I have no choice.

This is fraud and I cannot afford it.

I have attached a copy of an email the sent me after "researching into the dispute and finding no data.  Again, no item listed on the email.
Product: Credit card or prepaid card

I've contacted this company several times via certified mail regarding this fraudulent account and they haven't removed it from my report. I'm demanding this account is removed immediately. 
CAPITAL ONE BANK USA N Account # : XXXX Date Opened : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX  XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX XXXX  XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

Attempt to fraud by ClearSpring/Sortis Financial of 5 payments of {$790.00} each, total {$3900.00} corresponding to the months of XX/XX/XXXX to XX/XX/XXXX. See my Loan History. ___ My new XXXX, XXXX XXXX XXXX, require me to pay them immediately the five behind months plus penalties. Total {$4900.00}. __ I paid these five months with a Bank check ( # XXXX XXXX ) to ClearSpring Loan Services. That was include two months more, XX/XX/XXXX and XX/XX/XXXX In total were 7 months X {$790.00} each, Total {$5500.00}. __ The Company that is attempting to fraud me is ClearSpring Loan Services Inc. / Sortis Financial. __ XXXX XXXX XXXX that is my new Servicer is involved in my problem. This company gave me a new account # XXXX.
Product: Debt collection

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : GM FINANCIAL XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Product: Debt collection

At the end of a lease from an apt . when my son was in college, balance was suppose to be paid by all tenants. I paid my sons part and XXXX other other men paid their part but XXXX of the boys did not pay his part and it is showing up on our credit because the lease was signed by all XXXX guys. The guy refused to pay the difference and it has been sitting as a bad debt on my credit even though the collection agency agrees that they show that it is owed by the XXXX party but they want me to pay his debt to clear my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've cotacted this company on XX/XX/XXXX and spoke with XXXX to inform her that I had credit inquires on my report that were no authorized by me. she told me to contact the companies I 've sent certified letters its been over 60 days and I have n't heard any information. she told me to contact them again. and I explained to her that these were unauthorized she was no help at all. I 've spoke with about 7 other assoicated between XX/XX/XXXX-XX/XX/XXXX and got no help. 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX +
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXXXXXX, has violated my rightsXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were illegally added to my public credit profile on XXXX 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) 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: Credit reporting or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. My federal trade commission identity theft report was certified mailed to XXXX, Experian, and XXXX. My dispute did not resolve the issue for the following accounts : 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  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries :
Product: Mortgage

My loan is with Shellpoint Mortgage Servicing They are collecting escrow account to pay for property tax and insurance. However, they missed payment my first property tax bill. I called them four times and wrote an email to beg them to pay but they just ignored me. The county sent me tax delinquency notice. Every time I called they sounded like I bothered them. They kept promising to set up payment. Until now, they did not make payment to county tax at all. I demanded all my escrow fund to return to me so I can make payment by myself but they refused. They even asked me to pay my own property tax while they hold close to 10,000 of escrow fund and doing nothing. Now that the 2nd tax is due I am afraid they just accumulated the escrow fund and my money would be gone. I do not have that much money to pay property tax and pay them every month into the escrow account.

Please help me.