23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have made payments in excess of the statement amount due since XX/XX/XXXX. I called on XX/XX/XXXX and spoke to XXXX at Nelnet and she advised that she did ot know why my statement liste a past due amount and someone from their accounting ops department would review my account and I should call back in 2-3 weeks to see if it was resolved. I called on XX/XX/XXXX and soke to XXXX at XXXX at Nelnet . She advised that the statements I was being sent did NOT include any accrued interest that was owed prior to XX/XX/XXXX ( - {$240.00} ). So the statements I am receiving and have been paying in excess of do NOT show that an interest payment was still outstanding. It also does not show any fees associated with my loans. The rep advised there are no fees, but I can not confirm that since accrued interest and fees are NOT included on the statements that NELNET is sending out. This is a deceptive practice and they are sending people inaccurate statements that will automatically make them have late payments ( - {$64.00} ) and which can result in fees ( that they do NOT include on the statements ), as well as negatively impact credit scores and credit reporting information for myself and millions of Americans. I have called and they will not update their statements to show the accrued interest or fees associated with my student loans. Please have them update this practice.
Product: Debt collection

Northland Group Inc. has contacted me by letter regarding a XXXX account that I have never owned.The amount of the debt is {$2100.00}.
Product: Debt collection

XXXX XXXX  allowed someone to set up an account under my name, I told them to close the account and deactivae the service now they send me a bill! XXXX XXXX  will be reported to the ftc also
Product: Checking or savings account

I have recently received several emails regarding someone opening an account up under my name and social security number. I have tried to call XXXX, and spoke to a young lady. She confirmed that there were several accounts with my name and she confirmed the last 4 of my social security # before I would tell anything. She confirmed that someone in my State and City had opened an account. She went to transfer me to a fraud department and then a recording came on and said no one was able to help me. There was no way to leave a message and the call ended. 
I contacted another number I found XXXX and again got no one as I dont bank there and without an account number no help from the company. 

The first email I received stated that an online application was in progress along with my name and Confirmation # of XXXX at XXXX today, second email was received at XXXX and stated that I needed to verify my email address which I did not do, third email received at XXXX stated that my application was approved, and my account is open with account ending XXXX and that I am enrolled in online and mobile banking. I have filed a police report with my local police department, but I need a claim number from this bank and the fraud phone number from them.
Product: Credit reporting or other personal consumer reports

Looking at my credit report i did not give verbal or non-verbal authorization for XXXX  to request a hard inquiry credit report at no time.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX at XXXX I sent {$400.00} via cash app to XXXX XXXX XXXX XXXX I then received a notification saying money was returned for my protection. When I looked in my account I did not see where the {$400.00} went back to my cash app so I looked a little bit into it and realize there was a hold on it and said it would be returned by Wednesday have emailed finding out why the money was returned or why there was a hold and have not heard back from cash app and now I get on and look to see about the hold and I can not find the hold anywhere and it is still yet to be deposited into my account I call the following number XXXX XXXX XXXX XXXX and it says they usually have anyone to answer calls but can contact them at cash app.support witch I have done and nobody has responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed all three of my bankruptcies. I still have one that experian is reporting valid and accurate. However, they are not providing the vendor/method of verification that theyre using. First ( Experian ) advised it was XXXX XXXX that verified the accuracy of my bankruptcies. I contacted XXXX XXXX they corrected and removed the bankruptcies. I contacted Experian and advised of the change. Experian still didnt remove it. They then said it was the court house. I contacted the court house they advise they do not speak nor send anything to third parties. I would like for Experian to provide the name of the vendor thats currently providing the inaccurate information.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my dispute regarding hard inquiries on my credit report, which were conducted without my explicit consent. Following a comprehensive review of my credit file, I uncovered several unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report, as detailed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to express concerns about Zelles dispute handling, especially after the CFPB lawsuit revealed significant issues. Despite reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They said recovering lost funds and tracking transactions was impossible. The CFPBs findings show Zelle neglected consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is unacceptable and raises serious consumer safety concerns.
Product: Mortgage

I am behind on my mortgage and had to file bankruptcy XX/XX/XXXX 
After I graduated from college, my income decreased significantly. 
PHH sent me a packet to submit for a loan modification, they have myhome listed for foreclosure. I submitted all the requested documents and contacted XXXX as my advocate. I have received XXXX letters fromPHH requesting the documents that I had submitted in XXXX. 
I have yet to speak to the assigned case manager XXXX XXXX, I have annotated and faxed the documents requested for a secondtime. I have called to check the status of my packet as it is goingon XXXX+ days, and when those days expire I have to start thisprocess over. PHH has my home listed for foreclosure. I purchasedmy home XX/XX/XXXX, I am retired military veteran with a fixed income. 
All documents requested were submitted to PHH and XXXX. 
I am desperately trying to save my home and just want theloan modified so I can afford the payments. I was told today that mypacket was submitted for review and I do n't know what else to do butrequest additional assistance to help me keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I waited 60 days to get a response from this company to only get back a response that clearly proves they did not do a reinvestigation at all. I asked them to delete two accounts nothing more after 60 days they responded back they did a reinvestigation on all 7 accounts. Where did the other five accounts come from or better yet who are they responding too? Their time is up now and I demand that the two accounts I asked them to remove be deleted.
Product: Payday loan, title loan, or personal loan

I received a loan in the amount of {$600.00} XX/XX/XXXX. I have been making payments of XXXX each paycheck. On XX/XX/XXXX I called about paying it off they said it was XXXX to payoff but I wasn't able to pay that day because it was after the processing time. I called on XX/XX/XXXX and I was told I couldn't pay off my loan until XX/XX/XXXX and the amount will be XXXX to pay off. This is after I have paid XXXX, XXXX coming out of each check XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX. That's a total of {$1400.00} on a {$600.00} loan. I was not told about daily fees and you have to pay on certain days because a certain time. They are a loan rip off.
Product: Mortgage

I received a loan modification trial plan from XXXX XXXX XXXX on XX/XX/XXXX. Trial Payments were to start on or before XX/XX/XXXX I faithfully paid 3 trial mortgage payments early through XXXX XXXX. The 3rd payment was due onXX/XX/XXXX. I paid it onXX/XX/XXXX XX/XX/XXXX only accepted cash payments. I have all 3 receipts from XX/XX/XXXX. OnXX/XX/XXXX 1 day after the 3rd trial payment was due, my account was transferred to Shellpoint Mortgage. My account was not recognized in Shellpoint 's system untilXX/XX/XXXX. So, all the times I called between XX/XX/XXXX to XX/XX/XXXXI could not get through to a customer service person because they did not recognize my SS # or loan #. Anyway, I was able to contact, my representative XXXX XXXX and she told me how to make the next payment. On XX/XX/XXXX I received a permanent Loan Modification. I faithfully made 5 payments to Shellpoint Mortgage ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ). I have received confirmation numbers for each payment. Yet, they have me owing 5 payments threatening to Foreclose on my home. I have sent Proof of Payments more than 14 times to them both email and fax. They refuse to acknowledge the payments or update my account. ( This is the short version )
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1400.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for XXXX greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX BV XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX BA XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX  XXXX Balanced XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} Apple Card/ GS Bank USA Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}
Product: Debt collection

Upon checking my XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I discovered a fraudulent debt collection report filed by AmSher Collection Service of XXXX, XXXX. The debt claim was for a cable television account listed under XXXX XXXX at an address in XXXXXXXX XXXX that did not belong to me. The debt was assigned on XX/XX/XXXX in the amount of {$490.00}. 

I checked with XXXX and discovered that my personal information had been compromised during XXXXXXXX XXXX XXXX XXXX 

The problem I have with AmSher Collection Services is that I was never notified of the debt prior to them " parking '' that information on my credit reports with the XXXX major credit reporting companies. Amsher never contacted me by phone or in writing. I was denied the opportunity to dispute the debt and prove that it was not mine. 

I have lived in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have no connection to the address listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If AmScher Collection Services would have contacted me, as required by law, I could have disputed their claim and proved that the debt was not mine. 

I sent AmScher a debt validation letter via certified mail on XX/XX/XXXX requesting proof that the debt was mine. I also notified AmSher that they had illegally parked the false debt claim on my credit report without proper notification. Their written response was a standard form letter that did not address my concerns. 

XXXX, I received XXXX letter fro AmSher stating that if I believed I was a victim of identity theft, I could file an affidavit with XXXX XXXX disputing the debt. At the bottom of the letter was the following statement : This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

This inadequate attempt to correct their egregious error is too little, too late.
Product: Mortgage

Specialized Loan Servicing , LLC was my loan servicing provider. We did a refinance with new company. They would not refund my property tax escrow account and would only add the monies in escrow to the payoff to reduce the loan amount. They sent XXXX payoff statements at {$25.00} each that were all incorrect. SLS then demanded that I provide {$4800.00} with our payoff amount to cover property tax bill, while there was {$7700.00} in the escrow account they controlled. We paid the the property taxes before the loan was paid off and they say they paid the property taxes and have not refunded {$4800.00} plus {$120.00} for incorrect payoff statements plus a {$140.00} fee for late payment which was incorrect as well. We are seeking a refund in the amount {$5000.00}.
Product: Debt collection

I have receiv ed two differ ent letters from  XXXX  different debt collection companies for the same debt originating from  XXXX   XXXX   XXXX . I receiv ed one lette r from  XXXX   XXXX    XXXX   on  XXXX / XXXX /   2017  and I also received another letter from from Alltran Financial , LP on  XXXX / XXXX / 2017 . the amount on both account is  XXXX  which it is not accurate at all. I dont know which one actually owns the account.
Product: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of XXXX XXXX  I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.
Product: Bank account or service

My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen.
Product: Credit reporting or other personal consumer reports

Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within XXXX  days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, 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/XXXXXXXX XXXX XXXX XXXX XXXXever 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. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second CFPB complaint that i am filing about account ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX i filed the first complaint stating that On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date. After sending this first complaint the company sent a message stating that they were gone to investigate it on XX/XX/XXXX they were still supposedly working on it.. Then on XX/XX/XXXX I received a email stating that the dispute was finished and updated but when i went to check the results absolutely nothing has been changed its the exact same way and reporting the same info as before the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX account # 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I was denied the loan modification because it was within 30 days of the auction. No one at the company told me that I had to submit everything before that time. I requested an extension for it to get reviewed and that was denied. How can they not tell me this whole time and still continue to foreclose on me without working with me with clear communication?
Product: Credit reporting

This account has been disputed for more than 2 months and has not been deleted. by law company has 30 days to answer a dispute and they have not. 

Item : I dispute XXXX XXXX XXXX - XXXX - this account is paid in full. Not Charge off. I have disputed and the company has taken more than 30 days to verify, please delete.
Product: Debt or credit management

Ssi is not taxable or can be used to pay a debt per irs rules and persons XXXX XXXX can't pay a debt or loan.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding my personal information being compromised due to the XXXX data breach that occurred. As a result of this breach, my sensitive data, including my full name, Social Security number, date of birth, and other personal information, was exposed and used by unauthorized individuals to open fraudulent accounts in my name without my consent. 

I have contacted XXXX multiple times to report the fraud and to request that the fraudulent accounts be blocked and deleted. However, my efforts have not resulted in a timely or adequate resolution. I am seeking your assistance in resolving this matter.