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

EQUIFAX REMOVED A PAID TAX LIEN FROM MY REPORT IN  XXXX . TODAY,  XX/XX/XXXX , THE RE-INSERTED THIS SAID PAID TAX LIEN BACK ON TO MY REPORT. THIS IS IN FACT ILLEGAL.
Product: Debt collection

A Company NPG Associates contacted me about a debt i had already settled and paid with Accounts XXXX XXXX. When I sent NPG the letter showing that i have paid for this debt in full they got extremely aggressive even after i told them i am at work and unable to discuss this matter. A guy jumped on the line and threatened me with legal action and the called back with a different masked number after i hung up due to his aggressive conduct and yelled that i better have my attorney call him by XXXX or else.
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to Transunion and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response Transunion and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy in the status of my student loans as reported by the credit bureaus. My loans have been enrolled in the XXXX XXXX ( XXXX ) plan for the past XXXX years, following a period of forbearance. I reapply for the XXXX plan annually and have consistently been approved. 

However, since Mohela ( MOHELAXXXX ) assumed servicing responsibilities from XXXX, there appears to have been an error with the reporting of my loan status. The credit bureaus show that I was not current on my loans and that I was " late '' in XX/XX/2024, despite the fact that I have never missed a payment. Under the XXXX plan, my monthly payment has consistently been set to {$0.00}, and I have not been required to make any payments. 

I contacted Mohela and was advised to submit a formal complaint regarding this issue. I would appreciate your assistance in investigating this matter and correcting any inaccuracies in my loan status and credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

I have attached my most recent IDR document from the new service company.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX  the information on these accounts are wrong..All 3 credit bureaus is not verify everything on these accounts., I have the right to have accurate information on my credit report..I will provide you proof they are not verifying these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulent addresses. 
I was a victim of identity fraud. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020
Product: Mortgage

We applied for the Forbearance six-month plan in XX/XX/2020 due to the financial hardship that we confronted. We were very thankful for this help. However, it is conducting us into deeper financial debt, and all due to the loan agency 's delay response. 
Development of events : -We called Lakeview Loan Servicing in XX/XX/2020 to inform them that we no longer needed this plan and were ready to start paying back our mortgage. The person that answered the call confirmed that he was going to send us the Forbearance cancelation document. And that in the mid-time, he was going to extend the program for another six months. The extension was to cover the time that the review was going to take. 
-We received the documentation by the end of XXXX. We sent Lakeview Loan Servicing all the required documents in XXXX. 
-We called in XXXX inquiring for more information. We were interviewed by one of your agents, that confirmed that all documents were in order and that we just needed to wait for a package in the mail. The package was to contain documents that needed to be Notarized by a Notary Public and send them back. 
-We have made several calls without any useful information, we were only informed that it was still at the underwriting department. 

It's been more than 3 months since we sent them all the documents. 
It's been 5 months since we made our first attempt to start paying. 
Our debt to Lakeview Loan Services is increasing as we are writing this note. 
One of your agents told us that we should not have gone through another Forbearance. and that he could not understand why we were advised to do this.
Product: Credit card or prepaid card

I was a victim of credit card fraud where purchases were not made by me. My cell phone was stolen on XXXX. XXXX. I was trying to find my phone but was unable to. After 24 hours of no phone I went to go get another one. After I got my phone and loaded the apps on my phone I noticed 5 fraudulent charges on my credit builder account. They were date and time stamped on my account for XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX. These were the following charges. XXXX, {$1500.00} / XXXX  XXXX  {$1500.00}, XXXX XXXX XXXX XXXX  for {$5200.00}, XXXX  XXXX for XXXX and XXXX for {$1000.00}. after 5 days the bank denied my dispute. I was able to reopen the dispute and I also emailed for documentation for why my dispute was denied. they said that it would be 10 business days before I got the information. I need this money to help with bills and I am 100 % honest that I did not make these purchases as all my bank accounts were victim to these people.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. 

Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> According to UCC 9-616, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : XXXX. The amount for which the collateral was sold. 
XXXX. An explanation of how the deficiency balance was calculated. 
XXXX. A statement of any surplus or remaining balance owed. 
I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency.

Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. 
In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. 
State-specific repossession laws which may require additional notices or procedures that were not followed. 
Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. 
I respectfully request that The Car Store take the following actions immediately : XXXX. Cease all collection efforts related to the alleged deficiency balance. 
XXXX. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 
XXXX. Provide a written explanation of the actions taken in response to this complaint. 
XXXX. Compensate for any damages resulting from this unlawful repossession and negative reporting. 
If I do not receive a satisfactory response within 15 business days, I will have no choice but to escalate this matter by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Reporting this violation to my state Attorney Generals office. 
Seeking legal remedies, including potential litigation for damages and removal of negative credit reporting. 

I hope to resolve this matter promptly and amicably. Please contact me at your earliest convenience. 
Thank you for your immediate attention to this serious matter.
Product: Student loan

Special Payment Instructions aren't being looked at it seems to me, XXXX is my payment start date and I set Special Payment Instructions to go 100 % to one loan and it's not even being followed, Phone hold times are over an hour at least, finally give up. Sent an email about this and no response. I would like my loan sent back to Great Lakes, they did all this with no problems. 

Also instead of mailing it the way I want they coerce you to send it via they pulling from your accounts at the bank. I don't like this option
Product: Payday loan, title loan, or personal loan

I was offered a XXXX XXXX, marketed to me as a " student loan '', to participate in a Software Engineering Intensive course at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX was acquired by XXXX XXXX XXXX, who then shut down the program effective XX/XX/XXXX, a week after I finished the program. 

I struggled to find work making the income I needed to make to pay off this loan in the terms I agreed to before entering this program. Because the program was dismantled promptly after my completion of the program, I did not have access to any of the resources I was promised when taking the XXXX XXXX to pay for the program. 

As a result of XXXX, I was allowed to put off this debt through the emergency measures put in place. But now the monthly payments of the loan would be about 65 % of my monthly average income. 

I learned after completing the program, that the XXXX XXXX I took to pay for the program is not a student loan backed by the Dept. of Education, it is a private consumer loan debt. 

I have attempted several times over the last 3 years to negotiate reasonable repayment options with Aspire Servicing Center, the lender that services the XXXX XXXX that financed the XXXX XXXX program. Aspire has refused to negotiate reasonable repayment, and has told me that refinancing with a bank or defaulting are my only two options for repayment. 

Aspire has refused to provide me with any information regarding default proceedings prior to defaulting on the loan in 80 days, if I do not pay the balance of {$2000.00} to avoid default. 

Aspire also services two of my federally backed student loans from XXXX. They have offered an income based repayment plan for those two loans. I am currently completing the paperwork for the XXXX. 

Because the brick-and-mortar school was dismantled, the program 's website is no longer available. Their twitter is still public, as of the submission of this report : https : XXXX XXXX 

I have not been able to seek resolution from XXXX XXXX XXXX. 

I am currently seeking out legal aid to settle the debt of {$24000.00} with Aspire Servicing Center for the XXXX XXXX used to attend the XXXX XXXX program.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> an IRS deposit in the amount of {$8400.00} was routed to the incorrect account number that did not belong to me. I contacted Chase immediately and advised them that the information did not match my account information and that the funds did not belong to the account that they were being deposited to. They stated that since the information of the deposit did not match the account owner they would be returned to IRS and rerouted to the correct account number/ account holder. I waited and waited and have submitted XXXX payment trace request through IRS but Chase fails to respond to IRS or simply comply with IRS request to issue refund. I was then transferred to an IRS advocate to further assist me with this matter and they suggested that I file a complaint to escalate this matter to Chase legal department before I move forward with civil suit.
Product: Debt collection

Below is a letter that I have received from XXXX  XXXX XXXX, stating clearly that I have paid the past due balance but it is still on my credit report. I would like to know why? 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Re : Payment Posted Dear XXXX XXXX, Account Number : XXXX Thank you for your inquiry regarding the above account. 
Our records indicate that a payment of {$220.00} was posted to your account on XX/XX/2019. 
The account now has a XXXX  balance. This account is officially closed. Should you have any questions, please contact customer service at XXXX. We will be happy to assist you. 
Sincerely, Customer Care XXXX XXXX
Product: Debt collection

I mailed out a debt validation letter to Online Information Services on XX/XX/2018 requesting that they send me a signed contract proving that the account they have listed on all the credit bureaus was in fact my account. They sent me a copy of a bill directly from XXXX XXXX. A bill is considered a verification I did not ask for verification I asked for validation as per the FDCPA, I have the right to request this, which would be a signed contract showing my signature to in fact prove that the account is mine. I have no knowledge of this account and a copy of a bill is not proving that the account is mine. Without validation I am not liable for this account and I am not obligated to pay off this debt since it does not belong to me and there is no signed proof that it does. Below I have attached a copy of the debt validation letter that I sent to them. I have also attached copies of the certified mail receipt and tracking information. I have also included 2 pages of their response that was not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Inquiry from XXXX XXXX on XX/XX/23 was made under my information. Never heard about it or requested any from it. 
I need this canceled and something done to not affect my credit score.
Product: Credit reporting or other personal consumer reports

Experian did not fully investigate an amount showing negatively on my credit report. XXXX account on my credit report when from off my account to back on. Failed to remove an address in XXXX that I never lived at along with another account from XXXX XXXX thats not mine and keep being reported late, causing negative impact on my scores. Experian is violating my fair credit act right according to 15 U.S. Code 1681i. Theres been a data breach with Experian and XXXX and all negative items must be removed from my account.
Product: Debt collection

I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was lied to and mislead into sending XXXX $ to an authorized XXXX account through my Wells Fargo on line app resulting in my filing a claim through Wells Fargo. The individual ( XXXX XXXX XXXX ) ( XXXX ) XXXX then unregistered his account from XXXX which is visible from my mobil app, resulting in my claim being denied, since the account was closed before funds could be recaptured and I was denied reimbursement. Wells Fargo is acting outside of policy. As it reads, within the Consumer Financial Bureau 's Electronic Fund Act, regulation E. If you are induced by an individual banks must return your money. 

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

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX XXXX  XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX XXXX date XX/XX/year>, from Transunion documents I owe in excess of XXXX to XXXX which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.
Product: Checking or savings account

I am filing a complaint against Wells Fargo. Regarding a Checking Account that I closed at mostly my own request. Not due to Wells Fargo Closing the Checking Account without my consent! I closed the account, at least according the the last statement information. On XX/XX/XXXX. And the only amount that I had left as a balance, was {$0.00}. I originally filed a complaint with this organization, against Wells Fargo. On XX/XX/XXXX or XX/XX/XXXX. The Case Number was : XXXX. On XX/XX/XXXX I got a letter from Wells Fargo and they stated : " We respectfully decline your request for {$500.00} in compensation. My most recent correspondence from Wells Fargo was a letter Dated : XX/XX/XXXX, from the WELLS FARGO MEDIATION OFFICES. Why are they doing this? After I closed the checking account two years ago by now?? What is the actual purpose of sending me a letter that is for this Legal Cause. Subject : Mediation option / Wells Fargo Mediation Program Office? And what is more confusing than all of the information I have already discussed. Is why do the letter that is dated XX/XX/XXXX have stated CFPB Case # XXXX. And the letter Dated XX/XX/XXXX Have this information type of information, below the date line. And it says as follows : TRACKING NUMBER : XXXX, WELLS FARGO CASE NUMBER : XXXX. The actual factual and truthful purpose of the TRACKING NUMBER AND WELLS FARGO CASE NUMBER. Is actually near impossible for me to determine what is really means and why is notated!! On XX/XX/XXXX I mailed a form that is the Mediation Request Form, along with several pages of other documents, That were pertaining to the Mediation issue. I basically reminded them, that the account was closed on XX/XX/XXXX. And that, again I am aware that I was compensated {$8.00} on XX/XX/XXXX. And that the only monies I would like was a payment of {$61.00}. For the purpose of being reimbursed for the two overdraft / NSF Fees of {$35.00} x 2 = {$70.00}, And with me factoring in the Partial Credit of {$8.00}. Hence I decided a compensation of {$61.00} was fair. I hope all of this makes sense.
Product: Credit reporting

Midland Funding continues to report information on my credit report despite it being past 7 years old.