23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loans were originally through  XXXX   XXXX , which were sold  to   XXXX   XXXX   XXXX   , LLC .  I made arrangements to have payments auto-drafted from my account and up until  XXXX     2017, th ey were regularly paid. As of  XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero  correspondence with them about this. They informed me that I have  XXXX  additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending  XXXX  University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my XXXX, XXXX, and TransUnion credit reports. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX XXXX This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being.

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my XXXX, XXXX, and TransUnion credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

Please advise, Im constantly receiving text messages ( XX/XX/2023 ), emails from LVNV ( RESURGENT and XXXX ) debt buyers and collectors, just as recently as today XX/XX/2023. LVNV has been illegally and aggressively trying to collect from me, in a state in which they are unregistered. Ive been violated due to the fact that My personal information has been shared with Resurgent and XXXX, agencies that are attempting to collect the same debt. The two companies listed have not sent proper notices, instead they constantly insist that I pay and once its paid in full theyll remove it and apply to LVNV, whom purchased from the original creditors, which is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

On XXXX XXXX, I experienced a remote access scam whereby a third party gained access to my computer. The scammer transferred money from my savings account to my checking account and then to a third-party account. I lost {$50000.00}. This incident happened in the evening, and I notified my bank first thing the next morning, within 14 hours, about the scam. They told me they would investigate and come back to me with a resolution within 45 days. I still have not heard anything despite repeated attempts to call my bank, Bank of America.
Product: Mortgage

UWM Mortgage company issued payment from escrow to XXXX XXXX XXXX XXXX. The home policy was canceled and refund back to UWM mortgage company was issued. XXXX through UWM Mortgage was sold to a new company XXXX XXXX. UWM says they sent a refund check to XXXX XXXX to refund the escrow account. Nothing has happened and UWM keeps giving me the run around for the money. It is {$4500.00}. I have called both companies numerous times and can not get a straight answer where my money is. I was given a check number the refund was issued under. I feel I need to get lawyers involved and sue for my refund and damages.
Product: Mortgage

Carrington Mortgage Services , LLC ( credtor 's fed id # XXXX ) XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, CA XXXX XXXX Creditor cancelled debt in XXXX. Issued a XXXX to debtor, notified Mass Dept of Revenue and IRS. Agencies issued an assessment for taxes due. 
Debitor paid both agencies ( {$15000.00} +/- ). Creditor failed to issue Loan cancellation documentation to debtor. 

Now debtor attempts to refinance loan in XXXX. Carrington denies owning any paperwork stating loan is closed. My attorney for refinancing my home loan has been ignored by CMS.
Product: Credit reporting

I have not been able to move forward with the mortgage process due to dispute wording being on my credit report. The mortgage stated that any reference to an account being in dispute will halt the process of my mortgage. Two weeks ago, I sent a letter to Experian to remove the dispute wording on my credit report for XXXX creditors : XXXX XXXX XXXX accounts and XXXX XXXX accounts. Experian said it would take between 7 to 30 days to investigate. Today I was informed by Experian that they will not remove the dispute wording even though the accounts are no longer in dispute and I sent them letters that i no longer dispute the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Product: Credit card or prepaid card

While in flight on a XXXX flight they advertised XXXX XXXX Credit Card which provides for priority boarding, free standard check bags and united passes. I was able to fill out application inflight by connecting to the XXXX XXXX. My application was approved and instead of giving me the XXXX XXXX credit card they advertised they issued an XXXX XXXX card that does not offer any of the benefits that XXXX XXXX card they advertised. The XXXX XXXX card is issued by Chase. It is a classic baiting and switching.
Product: Mortgage

Wells Fargo offered me a forebearance at the beginning of the Covid shut down. I took it being my two jobs are in personal care and food/bar service which were hit the worst. I was told the deferred amount would be added to the back of the loan. After the 6 mo fbrn, a Wells Fargo representative contacted me and asked if i needed an extension. I accepted it, as my personal business was still covid closed, and the restaurant i work for was also closed. I was then contacted again by a Wells Fargo representative ( Wells Fargo came up as the caller ID on my phone ) and i was offered yet another 3 month forebearance extension. I took it still not knowing my financial situation. I will give you the XXXX Note version of what happened next. Apparently my loan is held by a private lender who only was offering an 6 month forebearance. So, that put me default, unbeknownst to me. How were the Wells Fargo employees not educated on what loans were or were not available for an extension? Why did they call ME, not the other way around when my lender was not offering a forebearance more than 6 months??? I now have to try for a loan modification. I was denied the first time, i appealed believing they didnt have my financials correct as i am largely cash based business. They denied my appeal and are offering me a short sale. I am in this predicament, SOLEY, because a Wells Fargo representative offered me an extension, TWICE, that was not actually available to me. If i had known the forebearance had ended, i would have scraped by and figured out a way to keep my mortgage current until i could open my business back up. Now they are denying me the opportunity to pay my mortgage WHICH I CAN AFFORD NOW AND PAY. I just can not come up with the {$43000.00} they want to make the loan current. I am back in business and i want to keep my house and pay my monthly payment. I love my home. What Wells Fargo has done and is doing to me is just not fair. I am probably not the only one and i hope some of the powers at be can step in and right this wrong for the hard working people just trying to make a living and pay their house payment. Thank you for taking the time to read my plight.
Product: Credit reporting or other personal consumer reports

I made dispute on XXXX for multiple claims with LexisNexis ( LN ) , LN representative stated by law they had 30 days to do an investigation, if anything were to come back unverifiable, they would be removed from my LN report.

I received a LN letter in the mail dated on XXXX -- XXXX XXXX XXXX claims were unverifiable. They are not removed from my report after their investigation. 

I've requested several times that those 2 claims be removed from my LN report after their findings/investigation were Unverifiable. 

Consumer Number : XXXX Case number : XXXX
Product: Prepaid card

Original Card : XXXX Replacement Card : XXXX {$490.00} I own a card that I bought with my own money. I exercised my EFTA / Regulation II PIN debit rights to use the card in good faith at local merchants, but InComm blocked the transactions and is holding my money without my consent.

I called customer service and asked for a replacement card. InComm sent me a replacement card but refused to activate it when I called in to customer service to activate the card, and even refused to provide identifying information about the card so I could locate any receipts or additional documentation. InComm reps refused to provide a timeline but indicated that it may take 30 days or more to get a working card. I did not get what InComm advertised to me : a working card that is accepted everywhere XXXX debit card are accepted in the United States XXXX 

I want my money back and I want the CFPB/appropriate regulator to compel InComm not to block transactions in violation of Regulation II, or to promptly return all money, including purchase fees, to affected customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another name is reporting on my credit report. 

XXXX XXXX XXXX I notice that there is more than one address reporting on my credit report. 

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

I DO NO RECALL ANY OF THIS 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 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: Student loan

On XX/XX/XXXX all my federal student loans were cancelled through the PSLF program. I received the US treasury check for {$28000.00}. I received one check and I subsequently cashed it. It is my understanding that I made more payment than were required, and that was the reason I was given this check. The loan servicer Mohela continues to incorrectly demand payment from me and they are charging and in addition they are continuing to charge me interest of {$21000.00} for the original loan which was discharged. In addition, Mohela is incorrectly reporting to credit reporting agencies that I owe {$49000.00}. 

On XX/XX/XXXX I requested that Mohela inform credit reporting agencies that the debt is in dispute and at the same time I demanded that Mohela verify the debt which I believe is not owed. On XX/XX/XXXX, Mohela sent me a letter and they did not address my concerns. Mohela continues to demand payment for me from this incorrect debt and they continue to report to credit reporting agencies that I owe this debt. They have not notified credit reporting agencies that this debt is in dispute. 

I would like for Mohela to confirm that all of my federal loans have been cancelled and I do not owe any money to the Dept of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to file online dispute today XX/XX/XXXX with my equifax.com account about a merchant that falsely put a collection on my account from XXXX XXXX XXXX for XXXX XXXX XXXX in XXXX XXXX, Ca. ; as they were not authorized to do certain repairs but did without authorization from the insurance company or me. I was left to pay my portion of the bill, which I did and left a balance with the insurance company that they tried to put on me. I previously disputed it with experian in OXX/XX/XXXX and it was deleted from my account. Now I am currently trying to dispute it with equifax, equifax online system first said I can not because I have already disputed it, which I have not. Then I tried to login to my equifax account again later and the page goes nowhere and just hangs or says login is not available at this time. Then I use a different browser and it starts to work until I put my personal information in then it does the same thing connection lost. At the same time as I do these activities online someone in my building slams a door every time, so it appears my activity is being monitored by someone else/hacker in my location. Also on my phone it does the same thing, which I have reported to the FCC about this and have a report number. Additionally, I have contacted the local police about retaliatory theft ( and harassment by this merchant and people in my neghborhood ) off my vehicle/ home after I began disputing these charges, but I believe the police is also in on the people stealing or allowing people in the XXXX XXXX of XXXX XXXX to assualt me.I don't understand how they would let this happen either as I am a Federal Government employee and a military veteran as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on XX/XX/XXXX of XXXX at XXXX XXXX XXXX. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XXXX  the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX  and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Mortgage

Specialized Loan Servicing incorrectly reported my XX/XX/XXXX taxes and this has resulted in myXX/XX/XXXX mortgage payment doubling. They did not include XXXX XXXX and Water taxes in my escrow for XX/XX/XXXX resulting in an escrow shortage that they say is {$14000.00} ( inaccurate and inflated ). 

My escrow analysis for XX/XX/XXXX showed taxes totaling only XXXX. ( COUNTY TAX  {$1100.00}, WATER TAX {$840.00} ). 

My escrow analysis for XX/XX/XXXX shows my taxes totaling {$11000.00}. ( COUNTY TAX {$6800.00}, WATER TAX {$4100.00} ) This year XXXX, on XX/XX/XXXX, my escrow analysis showed that 1. I had an escrow shortage of {$14000.00}. 
( This is incorrect, my county appraisal shows that my taxes for XXXX were estimated at {$11000.00}. Since I already paid {$2000.00}, that means roughly {$9900.00} was supposed to be past due, but they have charged me for the full escrow amount which includes insurance and PMI that were already paid for. 

2. My new mortgage payment has increased from {$2200.00} to {$4200.00}. 
This amount was auto drafted from my account on XX/XX/XXXX and XX/XX/XXXX. ( note* I only received the escrow notice on XX/XX/XXXX ) a ) I did not get 60 days to respond to this change. 
b ) This amount is based on a shortage caused by SLS c ) The shortage amount is inaccurate and inflated d ) XXXX spread out the XXXX amount over 12 months without my agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX represented by Pheonix Financial Services XXXX XXXX XXXX XXXX Indiana ( XXXX ) was paid as agreed with pay to delete per settlement. The account still reports on Equifax. Already disputed with the original creditor and they stated they have already reported the account to be removed and it still has not been removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX XXXX account opened XX/XX/year> account # XXXX at XXXX XXXX on XX/XX/year> under the account number XXXX, These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX and Experian credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a balance of {$0.00} from XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the the credit bureaus and the creditors to provide the credit bureaus a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]