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

I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. XXXX the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education nelnet and the reporting agency XXXX and have not came to an amicable resolution.
Product: Mortgage

Subject : Inquiry Regarding Account Credit and Payment Requirement Dear Selene Finance Customer Service, I am writing to express concerns about my account ( Account Number : [ Your Account Number ] ) and the recent payment request despite a credit balance. According to House Joint Resolution 192 ( HJR 192 ) of XXXX, debts can be discharged upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security Trust Fund is backed by the full faith and credit of the U.S. government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account Status : Confirmation of my current account balance and the reason for the payment request despite the apparent credit.

Application of HJR 192 : An explanation of how HJR 192 applies to my account and whether it affects my payment obligations. 

Social Security Trust Fund Offset : Information on whether my Social Security Trust Fund can be utilized to offset this debt.

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Barclay 's Bank Delaware XXXX XXXX, XXXX XXXX XXXX XXXX filed continuing garnishment under court doc. This company filed the one document in a county where I do not live or work. This court doc. was filed under on county. I tried on several occasions to contact the law firm to work out a settlement on this account amount and they refused to talk. This is putting me in financial hardship by deducting a garnishment of {$320.00} from my paycheck. I am a single parent, working one day a week, and a full-time student, taking care of XXXX  kids and an XXXX parent. My health issues are declining to try to sustain my household. I want to work out a settlement and have this continuing garnishment removed from the court system.
Product: Checking or savings account

My sofi bank account was hacked or whatever at some point, I made the account in XXXX of XXXX to use to get a tax repayment but didn't see it in XXXX and apparently it deposited in XXXX of XXXX and the same month all of the $ XXXX was spent on XXXX XXXX  and XXXX merchant XXXX SoFi investigated it all for a total of 4 days and have denied my claims saying the charges were authorized, they don't want to talk about how they didn't require ID verification for login or to change account information or anything, they just deny my claims and can't give reasons or anything SoFi doesn't help any more once you dispute their denial of the claim, the email they say to contact just says not delivered and calling them or starting a new support chat does nothing It's been a headache to get any help and they don't care at all clearly, some support gets defensive if you bring up their security measures that let things like this and hacks happen, they accused me of fraud but if they actually looked into any of it at all with the merchants money was sent to, they'd see it's from another part of the world than I'm in, I don't have access to the same merchants the person does, there's a lot that shows it's fraud and I was hacked but they just don't care at all and it's upsetting
Product: Mortgage

This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this bill with regional financial and they have yet to remove account off my greater or report it as paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Mortgage

First of all I call the help line to do this complaint and was told it was after hours and it is only XXXX XXXX on a Wednesday. I have been having problems with my escrow for a year ever since I got a lower home owner 's policy. I was told over and over even though my ins. Went down {$500.00} to {$600.00} I still owed a deficit of more than {$400.00}. Which after calling them over and over I paid. Than I was told I would be called when the decrease in my payment took place which they didnt do so I waited to pay my payment. Now I am being told that the late fee that has happen due to me waiting is valid bc they posted it on the website and sent a letter that I never got. I want my loan sold to a different company that cares about it customers XXXX XXXX  tells me they cant do this but why they sold it to them without my consent. This was not my fault and I should not be penalized for them not doing there job. I pay my mortgage by the XXXX u can look at my loan account to see that. I am a good customer but this I bull. I feel that as a consumer i have not rights. Mr. Cooper only cares about money and i am tired of being taken advantage of by this company.
Product: Mortgage

I have been making extra payments to my mortgage company, ( Specialized Loan Servicing LLC ) but the mortgage company has not applied these payments to my principal. My mortgage is {$360.00} a month. I have been making a {$400.00} payment twice a month. The mortgage company has applied the balance of {$35.00} from my first payment to principal, my second payment has not been applied to principal and has been applied to future payments. The loan company reports that I am paid till XX/XX/2021. I have asked them to apply the extra payments to principal, but they refuse. They state that I needed to inform them that I wished for my extra payments to be applied to principal. When I purchased my loan, the original company explained to me that all extra payments would be applied to principal, the loan has since been sold to another company. I feel this company has chosen to apply funds in a way that is favorable to them, in that it yields the most interest. They have agreed to change 3 months worth of payments, I told them that was not enough, and that I was requesting they pay down my interest and recalculate my loan. Is there anything the CFPB can do to help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XX/XX/2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Re : Second Dispute for Inaccurate Information Request for Immediate Deletion Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Original XXXX Dear equifax, I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested validation of the collection account listed on my credit report with your bureau. I have yet to receive a satisfactory response or proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). As per my initial request, I sought validation of this debt, including documentation such as my signature or a contract to verify its legitimacy. To date, no such verification has been provided. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is accurate, verifiable, and complete. As the debt in question has not been properly validated, I assert that it is inaccurate and unverifiable. 
Additionally, Section 809 of the FDCPA mandates that a debt collector must validate a debt when requested by the consumer, and failure to do so results in the debt being considered invalid. Since no proper validation has been provided, this debt should be removed from my credit report.

Therefore, I request the immediate deletion of this collection account from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which can lead to significant penalties for non-compliance.

Please update me on the status of this dispute within 30 days, as required by law. If this account is not deleted, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse.

Thank you for your prompt attention to this matter. I expect a resolution in accordance with the law.

Sincerely, XXXX XXXX
Product: Debt collection

I paid off a debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of XXXX. I pay off later was emailed to me. I sent this pay off letter and removal request/dispute to Experian via certified letter. My request was denied, reporting as still active.
Product: Debt collection

LVNV FUNDING LLC is continually placing a collection, as well as a closed account listing on all of my credit reports for the amount of {$480.00}. I do not know who or what this company is. I have tried contacting them multiple times requesting a full validation of debt and nothing has been done nor have I received a response.
Product: Student loan

My loan holder is Navient, formerly XXXX XXXX. My account number is XXXX. I have several types of federal and private loans with them as I have loans from XXXX my time as an undergraduate and as a XXXX student. When I initially graduated XXXX school my loan payments were roughly {$2000.00} a month. I was able to pause payments while I looked for employment. Since finding employment some seven months after graduation, I have made a steady {$60000.00} a year. Upon beginning employment, I asked Navient if I had options for income-based payments. They told me to fill out an application for Income Based and Income Contingent payments and to select that I want Navient to choose whichever is the best option for me. I complied ( through some effort because there was an issue processing my application ) and eventually my payments went down to {$1500.00}. However, after speaking with a fellow attorney who had more total debt than I did and made the same exact salary, I was worried something had gone wrong because where he was only paying {$300.00} a month I was paying {$1500.00}. I called Navient and asked them to look into this and I was informed that they had done something wrong with my application and my payments should actually be lower. However, my payments were only lowered to {$1000.00} a month. I asked if there was any other way to lower my payments as I literally can not afford to move out of my father 's house on this salary and am struggling to make the payments and was told that because of the way my loans were " grouped '' there was nothing that could be done. I have been making the payments at {$1000.00} a month but it really is an unbearable imposition. I can not afford to live on my own when paying {$1000.00} a month for my student loans on top of all the other financial responsibilities I have. Furthermore, most attorneys I speak to are shocked that I pay so much more than they do in comparable circumstances. I want to make sure that the amount I pay really is the fairest amount and that I am not being taken advantage of by Navient. In spite of my continued efforts I still find myself drowning in these payments. Thank you for your time.
Product: Mortgage

My XXXX and I applied to Loan Depot for a refinance on our investment property located in XXXXXXXX XXXX  XXXX. Prior to submitting the application we explained to XXXX XXXX XXXX that we no longer keep large summons of money in our bank accounts because XXXX of our accounts was hacked by XXXX. He assured us that the XXXX reserve would not be an issue. They would not need to see it until closing. We submitted all the documents required and when the loan was conditionally approved Loan Depot requested XXXX XXXX XXXX  in reserve funds. My XXXX and I agreed that we would put the money in our account, but we were not comfortable leaving it there. XXXX XXXX XXXX then contacted us a few days later stating the loan had been restructured and the loan was approved without needing the reserve. I signed the final papers and sent a copy of my XXXX XXXX social security card. XXXX XXXX XXXX phoned me stating that no reserve was needed and that everything was ready for closing. Today we were notified by XXXX XXXX XXXX that they wanted XXXX XXXX XXXX reserve in a XXXX or an XXXX. We are both retired state and federal employees with pensions for the rest of our lives. We gave this company XXXX XXXX XXXX for an appraisal. Our property far exceeded the appraised value and we feel that it was a ploy to obtain our information which they will sell. Since giving our information to Loan Depot my XXXX has been receiving fraud detections on his credit cards which the banks have been able to help stop. We are very concerned that this was a scam from the beginning and that our personal information is now being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
COLLECTION Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
COLLECTION Account Number : XXXX Please remove it from my credit report.
Product: Student loan

PLEASE READ IN ENTIRETY I previously filed a complaint for this company but they didnt read my complaint as they referenced the WRONG account. This is NOT about my one XXXX account!!! This is for TWO loans not one. Please see loans : Sallie Mae Smart Option Student Loan - XXXX ( $ XXXXmonth ) and Sallie Mae Smart Option Student Loan - XXXX ( $ XXXX/month ) NOT my XXXX  loan. The Sallie Mae loans total $ XXXX/month. I can only afford to pay {$75.00} for payment of BOTH loans each month or {$37.00} for each loan every month. I am not inquiring about my XXXX loan just my two Sallie Mae loans.