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

In XX/XX/XXXX, my direct consolidated loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. In XX/XX/XXXX, my XXXX XXXX  ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. The accounts were closed on my credit report in XXXX XXXX XXXX after I filed a dispute resulting from XXXX not reporting the closed accounts. The total amount forgiven from the XXXX loans was approximately {$240000.00}. In XX/XX/XXXX, XXXX reported a single open installment account for the forgiven amount as being due, which just showed up on my Equifax and XXXX credit reports yesterday, but not on my XXXX credit report. This account is closed and the report of a new account with almost {$240000.00} due has tanked my excellent credit score and will tank it again when it reports closed again. XXXX should not be able to do this as it is both unconscionable and illegal. Also, XXXX has done this to a number of other borrowers in recent months that also received forgiveness for their debt. It is a despicable business decision.
Product: Money transfer, virtual currency, or money service

My friend, paid me {$40.00} thru paypal for my lawn service. Next he sent {$3.00} when I mentioned to him that I would have to pay an atm fee to withdrawal the first payment of {$40.00}. Unbeknownst to me, later on, this friend claimed that his paypal account was hacked and the supposed hacker disputed both transactions and after gaining access back into his account, he was unable to cancel the dispute. I disputed the dispute on my end, and submitted screen shots proving that the charges should have never been disputed in the first place. In the end, only the lesser amount of {$3.00} was the only dispute that was ruled in my favor. However, that amount was not credited back to my account. At this point, my account with paypal remained at negative {$40.00} something dollars. In keeping contact with paypal, i was told that they could not see any details and that i would have to contact the financial institution that my friend XXXX disputed the charges with.. In the mean time, my account then sat at a negative XXXX Lets say the charges were not disputed at all.. The total that was disputed was totaled at {$40.00}. How is my account with pay pal now $ XXXX??? Something is terribly wrong here and i am having a difficult time getting paypal to help fix the situation. A paypal manager did a credit to my account in the amount of {$3.00} as a courtesy.. However that is not the solution i am seeking.
Product: Debt or credit management

XXXX XXXX SS XXXX Lexington Law Matter  they did not provide service for my credit score and file but they charge me XXXX monthly to clear my credit file. But two months in any other were clean up on my credit file. My address at my old address was XXXX XXXX XXXX XXXX XXXX XXXX. New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting to all three credit bureaus that I owe money to them. They have reported payments charged off and late payments. Their collections company, XXXX XXXX also is reporting the same thing. 
The problem is the vehicle that they said was not paid and charged off, was stolen. My insurance company paid the loan in full directly to XXXX. I have turned in the paperwork to all three credit bureaus and they all have said that XXXX has verified that the information is accurate. Yet, when requested I have never been sent backup documents to prove that XXXX has any information.
Product: Debt collection

On XX/XX/XXXX I received a notice from Midland Credit Management stating I owe Midland Credit Management {$1.00}, XXXX, in the notice it was stated if I disagree with the information being presented I could dispute the alleged debt and Midland Credit Management would respond accordingly. On XX/XX/XXXX I sent a certified letter to Midland Credit requesting the original letter of indebtedness or proof the alleged debt still exists in response to a notice I received from them earlier in the month of XXXX. On XX/XX/XXXX I received correspondence from Midland Credit with an account statement from XXXXXXXX XXXX XXXX ; the correspondence also stated Midland Credit Management was not reporting the account to the credit reporting agencies. The statement noted a balance of {$1400.00} due to XXXX XXXXXXXX XXXX not Midland Credit. I then sent another notice to Midland Credit Management on XX/XX/XXXX demanding Midland Credit cease and desist all collection efforts until I receive proper documentation that I am responsible for paying the alleged debt to Midland Credit Management. On XX/XX/XXXX Midland Credit Management responded to my notice stating they were not reporting the account to the credit reporting agencies but they concluded their information was accurate. 

Midland Credit begin reporting the alleged debt on my credit report XXXX of XXXX. However Midland credit failed to send documentation of the first date of delinquency on this account as well as an agreement between Midland Credit Management and myself. 

In XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the court ruled that reporting information to credit reporting agencies is indeed a form of communication under the FDCPA. Therefore Midland Credit is violating my cease and desist.
Product: Student loan

I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.
Product: Debt collection

I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXXXXXX
Product: Debt collection

Portfolio Recovery Associates  has placed a derogatory mark on my Credit Report without mailing me any information about this alleged debt. I have made numerous attempts to contact them to resolve this, Including several phone calls to several of their offices as well as over  10 letters sent via USPS.      When I call in and try to get more information regarding this account, I am transferred to numerous different people in different positions of the company, Including  2 dif ferent " Operations Managers ''. I have even tried to reach out to th eir Compliance officer via  mail to no avail.     After making no progress with phone calls, and no replies to any of my letters, I am forced to get the BBB and the CFPB involved.
Product: Credit reporting or other personal consumer reports

I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a protest to CAPITAL ONE with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, CAPITAL ONE will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Product: Checking or savings account

I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I fell for a multi-layered scan operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX from my BofA account to fraudulent investment firm ( s ). I let know bank of America right about the situation that happened an told me they would work something out but at the end they didn't help me out much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Currently an account has been opened in my name for electric with XXXX XXXX down in Texas. They will not close my account without a police report. I have already filed this with the FTC. 

The FTC tried telling me to check NTCUE for other utilities opened in my name. When I called and entered my social security number with street address and zip code for verification, NTCUE could not verify my information. So I could not access my NTCUE information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America keeps reporting a card on my credit report it was a fraud card i didn't open this account a guy stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, XXXX has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and Experian has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.
Product: Checking or savings account

Complaint # XXXX Balance on XX/XX/20 was {$3600.00} XXXX deposited 5 usps money order total {$4300.00} ( on hold ) all 5 were cashed on XX/XX/XXXX according to usps accounting Dept record ticket # XXXX but boa claimed all 4 mo returned and deducted {$48.00} plus {$3700.00} from my ck accnt XX/XX/XXXX deposited usps mo total {$63000.00} all M.O. cashed next day by boa XX/XX/XXXX {$1200.00} from White House eip into my accnt but my ck accnt sent to risk closure - {$1200.00} debit ( missing ) I was told my accnt balance {$67000.00} Everyday I called since. 

My accnt was closed on XX/XX/XXXX but no Balance returned. Mail fr boa attached
Product: Mortgage

I wired funds to my mortgage servicer, Freedom Mortgage, on XX/XX/XXXX in the amount of {$350000.00} for the purpose of a mortgage recast. The wire was confirmed as received by their institution per bank documentation. 

Freedom Mortgage denied the recast on XX/XX/XXXX. Freedom Mortgage sold and transferred servicing of my loan to a new servicer, XXXX, effective XX/XX/XXXX. The {$350000.00} was never applied to my loan balance, and I was not issued a refund. 

I contacted Freedom Mortgage multiple times seeking a resolution and provided proof of the wire transfer. They have not offered a substantive explanation, refund, or confirmation of where the funds went. The new servicer has confirmed that they did not receive the funds as part of the transfer. 

As a result, the funds of {$350000.00} are unaccounted for. I am being required to continue paying my original monthly payment, and the recast never occurred.
Product: Student loan

I am trying to pay my un-subsidized portion of my student loan off. It is with AES and I can not get a straight answer on how to go about this. I was told I had to mail a check to the lender at a specific address, but then I was told that I should not have sent it to that address. I can not get a direct answer on how to make any extra principle monthly payments and have even been told that this is not an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX, Account # XXXX, Amt $ XXXX-XXXX  out in Texas and I never was in Texas and I live in Florida. They also are harassing me 2. XXXX XXXX-Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of the following unauthorized inquiries that appear on my TransUnion credit report. These inquiries were made fraudulently and without my consent : 1. XXXX  XXXX- XXXX Date : XX/XX/2024 2. XXXX - Inquiry Date : XX/XX/2024 3. XXXX XXXX  - Inquiry Date : XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ) : FCRA 605 ( b ) : You are required to block or remove fraudulent items when provided with supporting documentation, such as an FTC Identity Theft Report, within five business days.

FCRA 611 ( a ) : I am disputing these inquiries as inaccurate, and you are obligated to investigate and correct or remove them within the specified time frame.

I have attached my FTC Identity Theft Report to substantiate my claims. Since these inquiries were not initiated or authorized by me, they must be removed immediately from my credit report. 



.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit bureau all 3, Experian, XXXX and XXXX and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Product: Mortgage

My mortgage provider Bayview Loan Servicing. On XXXX XXXX, XXXX I made my payment of {$770.00} via their automated line. the payment was processed and withdrawn from my bank on XXXX XXXX, XXXX. In the beginning of XXXX Bayview stated that the payment was returned as a " not authorized debit ''. I was in contact with my bank and reviewed my bank statements and the money was withdrawn. I disputed it with the lending institution and was told i needed to provide bank statements as proof which I did. I have made four attempts to resolve this matter with Bayview. Each letter or call I make they request more information including several months of bank statements, requesting that I send proof directly from the Bank 's fax number as opposed to my private fax, all of which I have obliged. I went as far as getting detailed advance search from my bank detailing the payment being withdrawn, showing the ACH trace number proving that in fact Bayview did receive payment. The last call I made to my mortgage provider the customer service rep reviewed all the documentation and agreed they did receive payment and attempted to resolve my getting me over to the manager of the escalation department, the attempt was denied. The last denial of resolution letter I received now stated that the reason for the returned check is now due to a " closed account ''. I can assure you my checking account is not closed as i have made all of my current mortgage payments from that account. I have been in contact with my bank on several occasions assuring me that they have received payments. I am at a loss of words and am appalled that this situation has yet to be resolved after providing all the evidence that payment was remitted to BayviewLoan Services. This is affecting my credit report negatively as well.
Product: Money transfer, virtual currency, or money service

XXXX XXXX / XXXX Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

WRONG # : XXXX  XXXX XXXX CORRECT # : XXXX ) XXXX We contacted chase bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( Wells Fargo ) and informed them of the error and requested they send the money back to me. 

I have been in contract with the branch manager at wells fargo at the below address. This is the location the receiver of our funds also went in regarding the issue. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wells Fargo withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that wells fargo closed their attempt to recover because wells fargo declined their attempt. They will no open another attempt to recover claim. 

Wells fargo provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX Wells Fargo will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. 

We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. 

We beg someone help us. Wells Fargo will not provide us with our money back even when they took it from the receiver.
Product: Checking or savings account

I have two credit accounts with Comenity Bank. One is for XXXX XXXX, the other for XXXX. This bank handles the payments for these two among other stores. I scheduled payments, XXXX and XXXX insured there was sufficient funds to pay each account. Upon reviewing the checking account that is utlized to make payments, I saw Comenity Bank took the scheduled payments, and then levied an additional unauthorized payments from my checking account for both creditors. I have had to make stop payments in order for Comenity Bank to not get additional unauthorized payments.
Product: Debt collection

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter companies listed below are reporting accounts obtained thru identity theft profit services group XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems I HAVE THE IDENTITY THEFT REPORTS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provoded a notofication about a report on a arrest and conviction record that is more than 7 years old, please help
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX