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

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear XXXX XXXX XXXX , I hope this letter finds you well. I am writing to formally dispute the XXXX late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXXAccount Number : XXXX Paid in Full / Account Closed XXXX 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 XX/XX/XXXX I am requesting that XXXX XXXX XXXX remove this negative mark from my credit report for the following reasons : XXXX. Good Payment History : I have been a loyal and responsible customer of XXXX XXXX XXXX, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior. 
2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an active duty member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again.

3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information.

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Student loan

According to the terms of my student loan master promissory note, and according to the stipulations of Income-Based Repayment Plans with StudentAid.gov, my outstanding XXXX loans plans MUST be forgiven after XXXX qualifying payments. 

As you can see in the attached screenshots taken from my studentaid.gov dashboard, I have made XXXX qualifying payments. Therefore, the Department of Education MUST forgive my outstanding loan balance.
Product: Credit card

Total Card charged me {$41.00} late fee on XXXX. I had just paid {$80.00} on XXXX. I didnt even have a balance. They would not increase my credit limit saying I was late on payment.
Product: Money transfer, virtual currency, or money service

Through XXXX  ( a freelance network ), I received a work for website development. Buyer mentioned they can only pay with Cashiers check. I accepted and check was mailed to house. I realized the buyer has overpaid and I reached out. Buyer told me that it was an accounting error, accountant thought I was the XXXX  and the XXXX  - so sent me money for both. He requested that I refund {$1900.00}. I told him, I can only do so after the check clears. Check was on hold by Chase and got added to my balance on Tuesday. I sent the refund as suggested by the buyer through XXXX. On Wednesday morning, chase sent an email saying, they are lowering my balance because the check was fraud. I am not sure why they took 1.5 days holding the check if they did not verify if it was legitimate. When balance was added I assumed Chase did their due diligence. 

When I got the mail from Chase, I immediately called Chase bank fraud department. After 1.5 hours of transferring to different departments, they told me they can not do anything to reverse the transactions or investigate the scam account I sent money to. 
I stated that I understand I may not be able to get the money but I need information about the person whose account the money has gone to, so that I can file police report. Chase rep. claimed they do not have this information and to contact XXXX directly. When I called XXXX they said they don't have access to bank information, they only provide the technology for transaction but banks are able to see which account money goes to, also informed banks can see account names, email, phone number and bank name ). XXXX also requested a XXXX  transaction ID to investigate further on the transaction. When I called chase again, they kept giving me the Chase transaction number and kept saying they don't have any information on the other account, neither they can do anything to help investigate or claim the money back. 

Chase advertises services like fraud monitoring, scam protection, check protection but in reality does absolutely nothing to help customers get money back or investigate a scam. They should check if a check is legit or not before depositing the money in account, specially after holding the money for 1.5 days, a deposit confirmation would indicate that the check cleared properly. They immediately removed the funds next morning but offered no help in helping get the money back or do anything to help other than repeating the same thing over and over. Such banks make it easier for organized scammers to scam people because they know banks will charge the victim and will not go after the criminal. 

My local police at XXXX, TX was much more helpful in trying the get the person behind this. I promptly got a call from detective and received information on where to complaints to help solve the crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  Account XXXX, XXXX, XXXX, 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 a account without my written instruction.
Product: Debt collection

XXXX XXXX XXXX is trying to collect debt of {$550.00} that I am unaware of. 

My credit report says the debt originated from ADVANCE AMERICA. I can only assume it's for a loan but I never took out a loan with ADVANCE AMERICA.
Product: Mortgage

I have already described in much detail what has happened. I will however attempt to restate and add more details. I had mortgaged two properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for XXXX mortgages via two different previous loan servicing companies. 1 ). One of the mortgages was modified by Ocwen. On this mortgage I feel Ocwen unjustly added an additional approximately {$19000.00} to my principal balance even though my loan was paid current with previous loan servicers until the year of XXXX. That was about two years of payments made on time until that point. I had financial difficulties in XXXX to XXXX primarily and sought modification on my mortgages. 2 XXXX. One company Litton did modify but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Again before the modification I had paid approximately 2 years worth of payments on time before my financial difficulties developed. 3 ). The next property was mortgaged and serviced in XXXX by XXXX after several previous mortgage companies had owned the loan. XXXX sold to Ocwen. Representatives from XXXX told me my loan was modified. I had not received written clarification on this and I continued to pursue this documentation. I was eventually told XXXX sold all of its company mortgages to Ocwen and I could not any longer contact XXXX when XXXX phone number instructed I should now contact Ocwen. This is the loan I believe maybe have been re-modified by Ocwen. This is the loan mentioned above that added an additional {$19000.00} to my loan and did not inform me that this action would result in the addition to my principle. As previously stated, Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 4 ). Ocwen would report me as late within 30 days after the month I was late with payments up to 89 days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on XXXX loans, Ocwen can not report my payments paid since the last four months. All three credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the three credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within 30 days after I was late for over 30 days Ocwen can report in a timely manner when I have paid on time. Thank you for reviewing my complaints.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are all reporting transaction history on my consumer file. 15 USC 6801 and also there are numerous of inquiries that I didn't authorize on my consumer file. I want them all deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from the following account. Block and remove it. 
XXXX XXXX XX/XX/2019
Product: Mortgage

My mortgage lender and mortgage loan servicing bank, both Flagstar Bank, has mismanaged my home loan escrow account to the extent that they are raising my monthly payment by {$190.00} per month after lowering it by {$100.00} just last year. This is a 6.6 % increase in my monthly payment on what is supposed to be a fixed interest therefore fixed payment! Their failure to adequately manage my loan has led to a {$1300.00} shortage in my escrow account, which they are paid to manage and maintain the balances needed to pay insurance and taxes. The bank clearly does not know how to manage an escrow account.
Product: Credit reporting or other personal consumer reports

The removal of these inaccurate accounts from my credit report because it's still there. Please check the documents I've sent regarding this matter.
Product: Credit reporting or other personal consumer reports

In XXXX, 2023, my student loans with MOHELA were forgiven under the XXXX program. I received notification that the balance on my loans was reduced to {$0.00}. However, these updated balances have yet to be reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting again my complain regarding this matter. The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} -Please check the Payment History and Status information on this account and adjust accordingly ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off? Please remove this collection from my credit report ; - ; XXXX XXXX Balance Owed : {$460.00} ; ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Product: Checking or savings account

Affirm withdrew 5 times the auto bill payment from my checking account creating all sorts of issues for me.
Product: Credit card or prepaid card

On Tuesday XX/XX/2020 I went to use my NC unemployment debit card for gas but my card was reading do not honor. I went to call Bank of America prepaid and they said after putting in my information that my account was closed and hung up. At XXXX I made my first call and was placed on hold up to Two hour 's when I finally got to the fraud department I was told my cars has a fraud block because I tried to transfer funds to an account not in my name. I did try this when I was trying to send money to my mother but without success. I had no idea my account would be closed if I did this, I had no idea my account wouldn't be accessible if I made this mistake. After that I was transfered and placed on hold to talk to a specialist to get my card unblocked and verify my  identity and just to regain access to my funds and account. After waiting two hours for a specialist my call was dropped. I called back and had to wait all over again. This continued non stop until XXXX when I was told that the fraud department was closed for the evening. I had been on hold and hung up on multiple times from XXXX until XXXX. I never got to resolve the issue and now have to wait until tomorrow. I wasn't able to get the gas, I wasn't able to feed myself or my wife for dinner, I am now have no clue what to do because every penny I have is on that card. Bank of America seemed to not even care about this very serious situation. I made an honest mistake and now I can not access my money or anything. Please help me with this issue. I feel as though I was treated unfairly and to no fault of my own. Bank of America made me wait seven hours on the phone just to be told they are closed call again tomorrow there was nothing they can do. Thank you for your time and I hope to find some relief in the morning
Product: Mortgage

PHH Mortgage on XXXX, XXXX and XXXX XX/XX/XXXX refused to accept my regular monthly mortgage payment due for XX/XX/XXXX. My mortgage forbearance ended XXXX XX/XX/XXXX. Numerous times on XXXX XX/XX/XXXX on my recorded line XXXX different PHH Mortgage representatives insisted I must pay the differed mortgage forbearance amount in full before they will accept my XX/XX/XXXX regular monthly mortgage payment. PHH Mortgage representatives would not provide any other options except payment in full of the differed forbearance amount right now. PHH Mortgage already approved my mortgage forbearance amount to be paid at the end of the mortgage. PHH Mortgage representatives many times during the active XXXX minute recorded phone call on XXXX XX/XX/XXXX, adamantly denied my right not to be required to pay the differed forbearance amount all at once before accepting my XX/XX/XXXX mortgage payment, I believe they were reading from a unlawful rehearsed script. They made an offer for them to call me back in a few weeks, I refused and demanded they accept my XX/XX/XXXX right now. At the end of the call I was informed they would call be back within XXXX hours. If they do this to me they do it to others.
Product: Debt collection

Navient XXXX XXXX  XXXX XXXX XXXX, PA XXXX. Paid the amount in full XX/XX/XXXX. A debt collector that threatened to freeze my bank account if I don't make a payment on my student loan which was opened XX/XX/XXXX XXXX XXXX ago. XXXX XXXX sold my account to this collector Navient. I have paid the amount in full and have suffered credit Hardship for over a decade.
Product: Debt collection

On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX Debski & Associates PA XXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of MrXXXX XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for me.
Product: Vehicle loan or lease

My ex and I jointly leased a XXXX XXXX XXXX through Ally Financial. 
In XX/XX/XXXX, my ex and I split and he filed for bankruptcy - putting this account into the bankruptcy department. I never missed a payment and kept the truck until I turned it in to XXXX XXXX XXXX in XXXX, MI, at the end of XXXX, XXXX and leased a new truck ( solely ) through a new finance company. 

I have since received several letters on the truck I turned in stating my account was delinquent. I called and requested them to fix this every time I received a letter. 

Finally, in XXXX, they were able to confirm that the truck was turned in and that my account was closed. 
A few weeks later, I received a letter stating I had a 30 days late for XXXX on the truck that has been turned in since XXXX. 
I called Ally again and told them this was incorrect - they said I had to submit a letter in writing stating my complaint - which I have done and I haven't heard anything. 

Through this insanity, my credit has suffered and I have spend way too much time trying to fix a problem that I didn't create. I am outraged at the way this has been handled and that me, the consumer, is the only one who suffers. I pay my bills on time, every time and it is ridiculous what I have had to go through to protect my score.
Product: Credit card or prepaid card

I MADE THIS DISPUTE IN XX/XX/XXXX, AFTER I HAD RECEIVED MY XX/XX/XXXX STATEMENT. I AM STILL IN DISPUTE BECAUSE THE COMPANY HAS NOT FOLLOWED THROUGH. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$380.00} WAS CHARGED. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$390.00}. ON XX/XX/XXXX ( A DUPLICATE ORDER ) XXXX XXXX {$390.00}. I WAS CHARGED FOR 3 GRILLS. I RECEIVED 2 GRILLS. I RETURNED 2 GRILLS. SO I SHOULD NOT OWE ANYTHING SINCE I DO NOT HAVE ANY GRILLS. LETTER RECIEVED FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. SECOND LETTER FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. THIS IS NOT CORRECT. AS I DID NOT RECIEVE THE 2 CREDITS FOR THIS AMOUNT. ONLY CREIDTS THAT WERE RECIEVED ARE : XX/XX/XXXX {$380.00} AND XX/XX/XXXX {$390.00}, I STILL AS I HAVE STATED FROM MY " FIRST '' DISPUTE NEED THE CREDIT OF {$390.00}. THIS IS FOR THE GRILL THAT I NEVER RECIEVED. I WAS TOLD BACK IN XX/XX/XXXX BY XXXX THAT IT WAS A DUPLICATE ORDER AND I WASNT GOING TO BE CHARGED. BUT I AM STILL BEING CHARGED TODAY. DUE TO THE DIPUTE I AM BEING REPORTED TO THE CREDIT BUREAU " AS LATE '' EVEN AFTER MY MANY CALLS AND LETTERS WITH THIS MATTER. IT HAS TRULY RUINED MY CREDIT SCORE.
Product: Student loan

My loans were consolidated and transferred to Mohela in XX/XX/XXXX. I uploaded XXXX ECFs in single XXXX page document on XX/XX/XXXX. On XX/XX/XXXX I was informed that I only had XXXX XXXX eligible payments and XXXX qualifying payments. I called to request an application review/recount as I had well over XXXX qualifying payments at that time. On XX/XX/XXXX I received a letter from Mohela which stated I had XXXX eligible payments but only XXXX qualifying payments and the website currently shows my XXXX application review request was cancelled. It is clear they failed to process one of my ECFs qualifying my employment as a federal employee from XX/XX/XXXX to present and have not given payment credit for those years of qualifying employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  services account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX have violated my rights 15 u.s.c 1681 section 602 A States I have a 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 consent 15 u.s.c. 
1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than the record of convictions of crimes which antedates the report by more than seven years. 15u.s.c. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information reating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I got hurt and couldnt work. Had to have ruptured distal bicep tendon reattached. I called mortgage company and asked if any help was available ; deferring payments, modifying payments, etc. I was told that there was no help, they dont do deferred payments or modify loans. 
Since then Ive contacted FHA and they said my mortgage company must help. I have been unable to get in touch with my mortgage company. I message them on the website with no response, I call and it says they are closed and to call the next day.
Product: Credit card

This complaint t is about Citibank Mastercard not respecting my request and their agreement to not contact me about anything by phone at home, work, or my personal cell as their antihumanitarian communication triggers my already in action XXXX. I also requested no email contact as I can't tell what's real and what isn't.

Complaint : Today, Sunday, XX/XX/year> at XXXX XXXX  est, I received a call from XXXX  at Citibank to tell me all about how much money I owe. She called me at my home phone, on a Sunday, family and company. Harrassment. She called from XXXX and spoke as though she knew nothing about no contact except through mail. Lies, unless there is no notation on her screens. In which case, someone else lied to me. Thank you.
Product: Vehicle loan or lease

The company that financed my car United auto Credit has repossessed my vehicle Tuesday, XX/XX/XXXX, because it claims payments owed for the months of XXXX XXXX XXXX that after these payments were made, they were claimed/disputed in XXXX and that they returned those payments. to the bank / account of origin, which is not true since I have never ever claimed any payment made and my account statements show evidence of this, in addition to the fact that I went to the bank and they confirmed that said disputes were never requested or received no payment back I have the evidence of the payments made and the account statements that confirm that we send them but they insist that it is not their problem that I need to pay them and then I resolve with my bank later that I have to make these payments again and there is no other way out. They call me and other up to 6 times a day from different numbers they have offended me in so many ways and threatened to sue and affect my credit I am a XXXX XXXX so they interrupt my work all the time as well as leaving me very affected after each call. They will not send me any evidence that these payments were withdrawn they say they dont have to. I do not want to lose my vehicle or the money I have already paid for it. I need urgent help Thank you.