23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report, as provided by your bureau. After a recent review of my credit report, I discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
I understand the importance of accurate reporting and expect swift action to rectify this situation. As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the legitimacy of these accounts and take prompt action to delete them from my credit report. 
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX 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, credit repair services, or other personal consumer reports

I did a forbearance with Shellpoint Mortgage Company and was completely mislead.

Per Shellpoint, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and Shellpoint refuses, they stated letters were sent to me. I explained that my XXXX XXXX XXXX mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and Shellpoint knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be homeless. I am a register XXXX XXXX XXXXXXXX. I am sick over this. I don't know where to turn for guidance, please help me.
Product: Credit card or prepaid card

In XXXX, 2022, I received a letter in the mail saying that a new Kohl 's card account ( issued by Capital One ) had been opened in name. I have never shopped at Kohl 's nor would I have the need to open a credit card with them. This card was opened fraudulently by someone that I don't know who used my personal information. Whoever opened the card made a fraudulent charge of {$83.00}. On XX/XX/2022 I called Kohl 's, and spoke to their fraud department. I explained that the card was opened fraudulently, and that I did not make those charges. This week I received a Bill from Kohl 's stating that I still have a balance on the card, and they added a {$29.00} late fee and a {$2.00} interest charge. I called Kohl 's again and spoke to someone in the fraud department again. Note that everyone that I spoke to with this company had a non American accent, so I assume that they are using an overseas call center. They told me the the investigation had been closed, and that they had determined that there was no fraud. I asked them to re open the investigation, and do a better job this time. This is very frustrating. It isn't a lot of money. I could just pay it off and ask them to close the account, but it is the principle that makes me want to continue. I feel like I have been violated, and that Kohl 's really doesn't care about me. I'm just an account number to them, and they just want their money.
Product: Money transfer, virtual currency, or money service

Cashapp has a negative balance on my app. They are accusing me of declined transactions from my bank. My bank was link to the App. I never kept on balance on the card. I used the cash out option on the app to transfer the money to my BANK acct. On XXXX XXXX XXXX  I performed several transactions. The cash app recipient was paid and no transactions were declined by my bank. Cashapp denies this. They referred me to my bank. My bank confirmed all transactions actions paid and proved copies of my statements. I sent this proof to cashapp and they refused to accept it. Please help me get this negative balance removed.
Product: Debt collection

The email me every day XXXX to XXXX times with all my info in the email my date of birth and last XXXX of my ss #
Product: Debt collection

I bought two airline tickets through XXXX XXXX six months before the flight, I cancelled three months before the flights, XXXX XXXX refused my refund on my XXXX credit card, XXXX is the holder of the account, after several months Portfolio Recovery was given the debt to collect, we agreed on a 12 month payment of {$55.00} monthly, after six months of paying on time, my seventh check was returned to me with a letter that the would not accept this agreement, I called them and was told that the agreement was in error but now they will accept the payments for 36 months instead of the original agreement of 12 months.
Product: Mortgage

See information on covid forebearance, sent never received anything, just started work, so can fax in modification with income, will file XXXX if needed
Product: Debt collection

I received a letter today ( XX/XX/2021 ) from XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX claiming that PayPal had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have. 
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.

Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts. 
I am asking CFPB to PLEASE put a stop to XXXX XXXX XXXX XXXX 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!
Product: Mortgage

Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.
Product: Mortgage

Caliber sold my mortgage to XXXX XXXX XXXX XX/XX/XXXX NewRez maintains XXXX they have sent me letters, which I have not received I called NewRez on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have owned properties since XXXX & have consistently paid my mortgage timely, every month. I was a single mom & still paid my mortgage. 
I have an XXXX credit rating. 
XXXX emails, I was led to believe that XXXX XXXX was a supervisor, who also represented that my issue would be sent to underwriting for resolution. 
I informed XXXX that I had contacted FTC/ CFPB to understand the complaint process, but decided to work with NewRez to resolve NewRez asked to simulate me online to access my secured mailbox, to demonstrate to me that there was a letter in my secure mailbox. No secure message exits. 
XXXX XXXX XXXX challenged me with " you claim that you didn't receive a secured message. How do I know you didn't delete the message '' Also, XXXX XXXX informed me today that my account remains in delinquency for a mortgage insurance policy that NewRez put in place, without their permission. 
XXXX, my insurance company, provided verification to XXXX XXXX XXXX XXXX XXXX previous mortgage servicer. 
As soon as NewRez requested the documentation that I consistently had homeowners insurance policy in place, without any lapse in coverage, I emailed NewRez proof of coverage. 
Today XXXX XXXX also informed me that they would continue to report my account to credit bureaus as delinquent to impact my credit rating. 
XXXX XXXX informed me that {$620.00} escrow balance could only be resolved by me paying for an insurance policy that I did not request, while I had a valid homeowners policy in place. 
XXXX XXXX informed me that received payments would not be applied to my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage incorrect reported mortgage payments. Our mortgage payment is made every month like clockwork. They reported to the credit bureau that we had not paid for XXXX XXXX & XX/XX/. That is 100 % false and now hindering us from getting a Home Equity Line of Credit on our home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP.

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.
Product: Mortgage

According with my Purchase contract, seller agreed to pay for the escrow fee, owner 's title insurance, transfer taxes. By reviewing my closing documents I don't see any proof that seller paid for those items. The closing statement shows that the seller only paid for my agents commission, that's it. Apparently I was charge for items agreed to be paid by seller. 
Also I was charge in advance for 8 months of property taxes. The property taxes are included in my monthly mortgage payment, so I don't understand why I was charge in advance for 8 months of property taxes.
Product: Debt collection

XXXX XXXX XXXX XXXX Customer Service Center XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   ACCT # XXXX I had XXXX XXXX LITTLE DEVICES AND MY CAR WAS STOLEN AND THE OTHER REPOSSESSED HOW CAN I RETURN THE DEVICES. I PAID FOR THE XXXX XXXX  tow and Im still being billed. They illegally took money out of my account, illegally. 

Tags can be mailed back to XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im physically XXXX, my old tags were XXXX XXXX  PLATES
Product: Student loan

I got the private student loan with American Education Services in XXXX and approved for XXXX dollar. I made a payment since XXXX made my payment since then which totals approximately XXXX dollars now. However I still have remaining balance of XXXX dollars. 

Account # XXXX Borrowed : {$20000.00} Paid : {$37000.00} Remain to pay : {$10000.00} as today 's date of XX/XX/XXXX Creditor : American Education Services ( www.aessuccess.org ) / XXXX I had talk with CS team and lender whom said I can not lower my balances anyhow. 

Please let me know what I need to do to avoid my remaining balances
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT XXXX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$30000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$3500.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX  XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains US BKPT CT XXXX  XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remove this address : see evidence attachments
Product: Mortgage

My loan was in Covid19 deferment through XX/XX/2021. Now, they are demanding all of the payments due at once, a total of {$55000.00}. My latest bill says that I am 657 days delinquent on my mortgage, as though there was no deferment and I simply made no payments. I have submitted paperwork for assistance 3 times and was told after the first two times that they had not received anything, even though I received a confirmation email from their system. 
I do not understand how it can be considered a deferment and still show as delinquent payments for the entirety of the time period.
Product: Credit reporting or other personal consumer reports

I called each department and asked for the information that i see on my credit and couldnt get any information. I also have a few errors and misspelled to my name on my report and an address i dont recognize.On my report I see an address from XXXX XXXX XXXX  and my name is XXXX XXXX see a misspelled XXXX thats not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

.I previously a letter regarding this dispute on XXXX and was Originally disputed and requested investigation and no response. The below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX Acct XXXX XXXX  {$520.00} are in fact inaccurate and should be removed Immediately. ThIs account is fraudulently Reported under the following : CALIFORNA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA PENAL CODE 530.5aPC 15 U.S. Code 1681i ( the following I have previously provided supporting documents for penal Code 530.5PC identity theft ) In view of the foregoing, I am disputing the balance shown in my report and requested an investigation of the matter in accordance with [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act, which states in part : ( a ) ( 1 ) ( A ) In general. The Fair Credit Reporting Act ( FCRA ) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days of Deletion of the account If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ( d ) and 1681j ].
Product: Debt collection

I never open this account with XX/XX/XXXXand for sure do not owe them {$940.00}. I can not remember doing business with them. I disputed this account with CREDENCE RM and requested validation of the debt and until now they are unable to provide me proof that I owe you this debt. No update, changes, or investigation are made on this account. I carefully review my credit report from time to time and this is completely the same as how I disputed it the first time. My request for documents, statements, details about this debt, payment history are completely ignored. Which made me decide to escalate this and take legal action. CREDENCE RM needs to remove this from my credit report. There is no reason for this account to be in my credit report. If CREDENCE RM is unable to provide me documents that I needed to validate this account no reason that it should be showing and negatively affecting my credit score at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a XXXX XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have SPAM in my credit report, its like corona nowadays ... .... there are inquiries that are appeared from nowhere and I just think how that possible? I can not understand what to do now, but they ae spam and fraud and I can not have them as its not fair. Please apply control and delete them because its identity theft.
Product: Student loan

Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone did a fraudulent Ach from my checking account. The account was over drafted. I had submitted an affidavit to XXXX XXXX that these were fraudulent withdrawals. They acknowledged the problem, it has never been cleared thru ChexSystems. I am unable to open any accounts at any banks. I have tried numerous times to get this off my credit report.
Product: Mortgage

The following statement appears on Truist 's monthly mortgage payment stubs *Due by -- XXXX -- *Required to keep loan in good standing. 

My mortgage deed and note state that payments are considered late if not received by the XXXX of each month. As long as my monthly payments are received prior to their late date, my loan should be considered " in good standing. ''