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

Experian is not reporting correct information with my payment history. Ive tried in good faith to dispute this information with Experian and XXXX XXXX XXXX. I was advised by the CFPB agent to file another complaint to get this issue resolved. As you can see Experian is closing out the dispute without taking any action. This is grounds for a class action lawsuit. Experian refuses to update correct payment history for my auto loan. I made a payment in XX/XX/2016 and Experian will not report the payment made.
Product: Mortgage

My reason for reaching out to you is in hopes that someone can possible help our situation. Our client has been paying a trial period in a timely matter to your client beginning XXXX XXXX. The approval required for XXXX trial payments in which she did, and has continued to do so for 5 months now. Seterus advised us after the XXXX payment that the file was being reviewed and that the final modification documents should be generated and set out before the end of the month ; this was in XXXX. For 2 long ongoing months we have been trying to retain these final modification documents which we know are very time sensitive. The lender suggest that due to coding on the file the final modification documents have to first be sent XXXX and that then someone in their office was to send the documents to the client. Please not, that the borrower does NOT have any legal representation which has been stressed to the lender for months and have been accompanied by letters of explanations and so on. 

Now, if we go back just a little to the beginning of the borrower 's trial, once she was approved it took us two months to retain the borrower 's trial period documentation XXXX because the lender just simply refused to submit the documents themselves directly to the client whether it be through email, fax, or regular mail. The borrower paid her trial payments like we instructed her to do so but the client never had the proper paperwork to reflect the actual approval. Like it 's stated above ; it nearly took us two months to retain the trial documents. Now fast forward XX/XX/XXXX ; 5 months into her trial period, the borrower has not yet been successful in retaining her final modification documents. If you can please look into this matter. The borrower is in active foreclosure and we would really hate to lose the modification simply for a lack of communication from the lender Seterus ; and their legal adviser XXXX
Product: Credit reporting or other personal consumer reports

My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until now.
Product: Checking or savings account

In XX/XX/2023 I deposited my paycheck of XXXX into my business checking account with Chase bank. I was not aware that three fake checks had been written and cashed in three different states : California, Illinois, and Nevada. My state of residence is Arizona. Chase then froze the account and has kept all of my paycheck. This has caused undue hardship where I cant feed my XXXX while Chase does nothing to finish this investigation nor do they seem willing to give us our money back. All I know is a person was caught with more fake checks and was arrested in California. Beyond that Chase has not communicated at all. I have called at least once a week since this happened. I have also started seeking legal advice and am in the process of finding a lawyer that will take this on pro bono. It is now XX/XX/2023 and I can no longer be patient in waiting for chase to give me my {$15000.00} dollars back. They have ruined my credit score and my wifes credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification from XXXX credit bureau that my Smile XXXX account was closed. The same day XX/XX/year> I reached out to the creditor they informed me account is open and in good standing and theyve been reporting this status of the account to all three credit bureaus
Product: Student loan

I am late on paying on a {$25.00} payment to sallie mae. They call 8 times a day i asked them to stop calling an to send a paper statement. I have told them that i feel the calling 8 time a day is harassment, the say " the law lets us call that many times ''. I have stated that FTC Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) sub section 806, ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' They refused to fallow the law in regard to collations of a debt. They need to be brought to justice. and fined or jailed
Product: Debt collection

Midland Funding , LLC ; BY ITS SERVINGS AGENT ; MIDLAND CREDIT MANAGEMENT INC XXXX CA XXXX, XXXX XXXX XXXX XXXX LAW FIRM ; XXXX WI XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt. 

Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees. 

I have informed them of this XXXX times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 instructions 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We applied for mortgage forbearance due to COVID 19 with NewRez mortgage ( Shellpoint mortgage ). On their website they list one of the options of having the payments added at the end of the mortgage loan. We were approved for forbearance, but when we called them NewRez mortgage, a.k.a Shellpoint mortgage, told us we will have a balloon payment at the end of 3 months and then we can apply for a loan modification ( no guaranteed approval ). And NewRez stated we can not add the missed payments to the end of the loan. We were lied to and completely mislead. We have a government back loan with XXXX XXXX. A balloon payment will not help us nor anyone us in this situation. And only 3 months is noting enough time, should be 6 months as stated in the CARES Act. We do not want a loan modification. We want our payments put on the back end of our loan. Thats not hard to do and NewRez/Shellpoint mortgage is being difficult and misleading many consumers.
Product: Checking or savings account

XXXX I went to a a atm it gave me a error and XXXX  could not dispense money but the transaction is posted to my account as Id I did. Get the money I disputed but I want my money back in my account now. I know current doesnt like to follow the laws
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report withXX/XX/XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXXXX/XX/XXXX - XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

I've submitted a dispute using this site and all I've received were duplicate copies of the same letter but nothing I requested to which is supposed to be furnished to me. Nothing was submitted as proof, validation or verification. So again I'm asking for them to furnish the following documents ONCE again : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was charged an overdraft fee yesterday in the amount of {$36.00} but there was money in my account. I received a refund that was available on my account when they claim the transactions took place, but Regions Bank seemingly rearranged the transactions to where my account would overdraft. I am also not enrolled in standard overdraft coverage so i dont understand why I was charged a fee.
Product: Mortgage

Dear sir or madam, Previously I was required to bring a CFPB Complaint, Complaint # XXXX, relating to this present complaint. Complaint # XXXX resulted in permanent mortgage modification documents, delayed nearly 1 year, finally to be tendered to myself, the borrower in XXXX XXXX '. Specifically, the modification offer and my acceptance originally occurred 1 year earlier, in XXXX, XXXX ', when XXXX XXXX XXXX was my loan servicer. 
My duties under the original trial/permanent mod offer were to make 3 trial payments, which I did and thus fully performed under our contract in XXXX, XXXX & XXXX XXXX. After XXXX XXXX XXXX received the final trial payment in XXXX XXXX ', it immediately sold my loan to Seterus , Inc . Yet again, I can not overemphasize, Seterus failed to send me the permanent modification contract, despite countless calls and letters, until XXXX XXXX. Please see attached. 

Between XXXX XXXX ' & XXXX XXXX ', servicer Seterus , Inc. repeatedly claimed it was in the process of generating the permanent mod documents. I now have discovered that during this same time period, Seterus and it 's attorneys continued to add to my account it 's attorney and other fees, fees generated by Seterus attorneys neither able to explain Seterus 's delay, or resolve it 's underlying cause. Such fees were the result of multiple court dates, mediation sessions, and correspondence with my attorney, ( also of course required to bill me for such time also ). Most notably, in Seterus letter of XXXX XXXX, XXXX, the date when the permanent modification contract was finally tendered to me, it 's Representative ADMITS the cause of the delay was Seterus 's own " system limitations ''. Please see attached. 

Yet incredibly, Seterus then immediately sold this loan to a new servicer, Selene Finance. But before doing so, added {$1000.00} to my account balance for the legal and other fees it generated during the time between XXXX XXXX ' when it acquired a fully performed trial/permanent mod loan, and XXXX XXXX ' when it finally overcame it 's " system limitations '' and sent me the permanent mod docs promised, but not delivered, since XXXX XXXX '. Please see attached. 
This action by Seterus resulted in a {$1000.00} charge added to my account with Selene Finance. I formally contacted Seterus concerning this matter, who now unfortunately fail to recognize it 's earlier admission that Seterus 's own " system limitations '' caused the permanent mod delay and resulting fees, and thus were charges I should not incur. Please see attached. 

Thank you so much for your prompt and just attention to this matter. I continue to be billed for these wrongful fees on my monthly Selene Finance account statement. Please contact me anytime if so necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept of Ed/XXXX - XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with them was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need the US Dept of ED to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.
Product: Checking or savings account

I bought a CD from Sallie Mae in XX/XX/XXXX. Unlike other institutions from which I have purchased CDs, I have no way to view my account details on the mobile site nor can I view tax documents. I was just looking for details on when this CD will mature, as I have received. I notification. I was shocked to discover it is maturing this month- for the second time. Evidently in XXXX, the first CD matured and Sallie Mae did not notify me. At all. And this rolled into another one-year CD, making nothing. Fortunately, I made about as much as I would have in a savings account, but it seems shoddy at best and deceitful at worst that Sallie Mae doesnt make this information more clear or notify account holders in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club, loan number XXXX, reported to XXXX that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXXXXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a Lending Club representative to the XXXX on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX letter. However, when I found out XXXX  XXXX XXXX returned my XX/XX/XXXX payment to Lending Club, I called Lending Club. On XXXX/XXXX/XXXX I was informed by Lending Club they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to Lending Club on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX complaint, XX/XX/XXXX Lending Club stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. Lending Club contracted themselves, they state in the XXXX  response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. Lending Club is not to report me late in XXXX or XXXX, I am enclosing my XXXX report where it shows the inaccuracy, XXXX response from Lending Club, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX  XXXX XXXX XXXX XXXX, hardship agreement.
Product: Vehicle loan or lease

On XXXX and XXXX of 2024 the named repossessed my private automobile. Your company has used deceptive and intimidating tactics that violate the FDCPA and I am noticing you of a lawsuit. 
The company had no standing as I did not sign or promise to offer the automobile as collateral security for the " loan ''. I am demanding the reinstatement amount and for the companies to show Cause under penalty and perjury. 
XXXX. It is a fact that the Negotiable Instrument known as the loan agreement was endorsed " WITHOUT RECOURSE ''. 
XXXX. It is a fact that XXXX XXXX, gave you lawful notice and presented terms prior to your company signing the negotiable instrument/ XXXX. It is a fact that XXXX XXXX gave you time to answer and rebut all his claims but you did not do so on ALL occasions. 
XXXX. It is a fact that XXXX XXXX is the holder in due course and has a filed XXXX XXXX on the automobile. 
XXXX. It is a fact that the negotiable instrument has cash value for the same amount your company is claiming they loaned XXXX XXXX. 
XXXX. It is a fact your company can not prove any injury because the negotiable instrument aka the application has cash value and is redeemable at the Fed window for the amount on the instrument. 
XXXX. It is a fact that as per the OC XXXX agreement that if the application/ negotiable instrument has the same cash value then this is a credit swap. 
XXXX. It is a fact that you returned tendered payments from XXXX XXXX and XXXX refused them in violation of the XXXX which makes the debt paid in full. 
XXXX. It is a fact that you denied XXXX for hurricane relief to XXXX XXXX on a recorded line with your agent. 
XXXX. It is a fact that the endorsement " without recourse '' means that I did not waive my security rights, I did not place the automobile as collateral, I did not agree to credit reporting. 
XXXX. It is a fact that if I did not waive any rights in # XXXX then I am owed my securities from the repossessed automobile in the amount of the loan and all interest, you are to delete all credit reporting and delete the account in total and return the automobile. 

You ( Foursight ) have repossessed my automobile with XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX GA XXXX. 
My fee is {$1500.00} for the tow and {$1000.00} per day as printed in the news paper and noticed to them. return my automobile and erase the credit reporting.
Product: Credit reporting

I received an alert from Experian that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name XXXX XXXX Account # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute incorrect reporting and proof of debt that is being reported by XXXX XXXX XXXX  XXXX. The account reporting is reporting as a charge off account with a balance of {$71.00}. The date of last active is reporting differently with all three credit bureaus for the same account. XXXX date of last active is XX/XX/XXXX, XXXX date of last activity is reporting XX/XX/XXXX and Equifax date of last activity is reporting XX/XX/XXXX. Currently this account is reporting with XXXX every month as a charge off and is reporting with Equifax as being paid on time. Date of last payment with XXXX and XXXX are reporting date of last payment XX/XX/XXXX but with Equifax date of last payment is reporting XX/XX/XXXX. This company has failed to provide me proper documentation to verify the debt belongs to me. In the comment it states that " charged off as bad debt, Profit and loss write-off '' but yet reporting a balance.