23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I inadvently sent my sister {$100.00} to an old cashapp account that she does not have access to ( email or phone ). I contacted cashapp immediately to let them know and I also sent screenshots of the incorrect transaction, as well as the correct transaction, and how the names were similar. They said that they were unwilling to refund the money, and that they had no more information to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX & XX/XX/2018 I requested removal of two XXXX XXXX accounts which I was an authorized user only and not a responsible party. The accounts listing on both EXP & XXXX were removed ; however, despite 2 requests, Experian denies my request.
Product: Debt collection

I received an email from MRS BPO stating I owe XXXX XXXX {$1400.00} on XX/XX/2024 via email. I went to their website and filed my dispute letting them know I do not owe XXXX this amount and to forward me the itemized bills from the past XXXX  months from XXXX XXXX or to leave me alone. This is the XXXX collection agency XXXX XXXX has sent my personal information to about a debt I do not owe. I do not appreciate my email address, phone number or any information being released without my permission to a company I have not done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX : {$3600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this message finds you well. I am writing to formally request the removal of a late payment recorded on my account ( # XXXX ) for the month of XX/XX/XXXX. 

I understand the importance of timely payments, and I regret any inconvenience this may have caused. My payments were on autopay, and I failed to have the payment in source of payee available. I have since rectified my payment habits and am committed to maintaining timely payments moving forward. 

Given my history as a responsible customer I kindly ask for your consideration in removing this late payment from my credit report. This would greatly assist me in maintaining a positive credit standing. 
Thank you for your attention to this matter. I appreciate your understanding and look forward to your positive response. 

Sincerely XXXX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

My XXXX was repossessed after the company failed to help when I requested help in extending my payments when going through a hardship of divorce and unemployment due to XXXX. I then tried to catch up on my payments and they refused to take any payment from me, and said that my loan was in repossession status. THEY DIDN'T COME AND GET MY VEHICLE UNTIL XXXX OF XXXX! I had storage fees charged to me and everything with the repossession and having to wait so long for them to come get it. I was very displeased over this company having no sympathy in the situation and not even trying to find a solution with me. My credit was wrecked over a 2-3 month period just because life happened.
Product: Credit card or prepaid card

There are charge offs on my credit reports. I need all of those charge off removed immediately. It shows that the accounts are paid off but those accounts never belonged to me anyways. there's an XXXX showing as well that needs to be removed i was NEVER ASSOCIATED WITH ANY OF THESE ACCOUNTS. I reached out to all parties year after year and still no removal. please remove all charge off accounts on all 3 credit bureaus. Code 15 USC 1681b Permissible Purpose states that anything reporting incorrect and fraudulently on my credit report MUST BE REMOVED ASAP. It is the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CHILD SUPPORT ENF AG/N : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am a public service employee with over 20 years of service. Navient failed to tell me that I could re-finance the student loan and receive public service forgiveness. I have paid on this loan for over 132 months.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX, nor did I authorize XXXX XXXX to obtain my credit report, fees, inquiries or a unauthorize. I filed an identity theft report, and I disputed these inquiries on several occasions, I have also ask for a method of verification to which Trans Union has filed ti provide me. This is a violation of permissible, purpose clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} ; 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: Payday loan, title loan, or personal loan

in XX/XX/2022 a company called XXXX XXXX XXXX XXXX XXXX XXXX, I called them to have new siding be put on my home we signed contract in XXXX finance was and is being financed with Greensky finance company i have been billed with greensky finance that i was told to pay up front {$4000.00} now the the XXXX XXXXt company kept telling me next then next week and now again next week i do not think its right for a finance company to take money when work has not been started you also need to look into XXXX XXXX XXXX XXXXs in Pennsylvanian they had issues of the same i was getting nervous of bill being due soon but no work has started why can a finance company can conduct business in this manner this is not acceptable in any means if a company says that because of supply chain issues then they should not be taken money up front and no finance company should not be charging finances up front services for work not started XXXX XXXX XXXX  in XXXX XXXX XXXX but also on web site mentions Pennsylvania again you need to check Pennsylvania lets just say one day this company leaves town the finance company that has taken loans up front its ok
Product: Mortgage

My prior mortgage service XXXX sold our loan to Mr. Cooper. We have asked multiple times to change our payment date from the XXXX to the XXXX to best align with our pay cycle and were told no, but as long as its in receipt by the XXXX its within grace. So we have paid on the XXXX of the month. Every month we are receiving reminder calls and this past month they called daily, even twice a day about the payment even after it was scheduled for the XXXX on their online payment portal. This is XXXX inducing and an inappropriate collection practice, especially when the payment is already set up to be pulled from my account through their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this collection to XXXX XXXX  on XXXX, XXXX. They sold this account after payment to XXXX. I've already mailed payment proof and receipt of payment received from XXXX XXXX  to XXXX Equifax, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$1600.00}, US DEPT ED XXXX Balance : {$1300.00}
Product: Student loan

My loans are paid to date and nothing is outstanding on my Aidvantage account, but the US Department of Education sent emails on XX/XX/23 and XX/XX/23 saying my loans are past due. The emails also suggest alternate loan repayment options which arent needed at this time. It appears Aidvantage isnt properly reporting my account balance to the US Dept of Ed.
Product: Mortgage

Loancare is supposed to send us our final loan modification documents, by mail, to our home in XXXX, we already signed a full set of documents about 2 monts ago, duly notarized. Then after about 6 weeks I called to see if everything was final and they told me I was missing a document. Now it's been 3 weeks of Loancare sending the new set of docs to the wrong address ( to the property in XXXX  and not to our home in XXXX, where we live, the XXXX  property is a rental, with no tenant currently ). 

The loan modification is because we were in forbearance in XXXX, and then came out of the forbearance in early XXXX when our income recovered from the Covid-19 pandemic. We agreed on a loan modification with Loancare for a XXXX XXXX XXXX XXXX in XXXX XXXX. so the arrears of about {$20000.00} accumulated during the foreberance would be put at the end of the loan. This modificaiton agreement was agreed upon 5 months ago, in XX/XX/XXXX. 

They keep sending me the docs to the wrong address. I have updated my mailing address repeatedly on the Loancare website, since XXXX. Have called every 4 or 5 days to ask them to ensure they send the docs to us in XXXX for signature. They have sent the new set *twice* to the XXXX address and not to us in XXXX, now they have a new set being prepared and apparently are going to send it this week. Once they receive it back they tell me it will be " five or six weeks '' before the final modification is registered. 

This has been going on since XXXX. We have paid the mortgage every month since then, also paid a " trial payments '' of {$1100.00} each, three times which they said was a requirement for the modification. 

The problem is that they refuse to update my loan info on their website, so there it states we have not paid this loan since last year and owe the loan plus about {$20000.00} in arrears. That is not correct, we have been paying the loan since XX/XX/XXXX. 

We are trying to refinance our condo in XXXX and the bank is telling us we need to get this info corrected on the Loancare website. The bank wants a statement showing our Loancare loan is not in default. 

Loancare says they will do nothing until they can register the final modification, despite our having paid our loan since XXXX and being up to date. They will not update the website, and it has been several months now with us waiting to get the documents we need to sign before a Notary. They will not let us print out a scanned or emailed document, either, we must sign the paper copies they send us. 

Am attaching a statement from Loancare for XX/XX/XXXX showing we have made the mortgage payments since XX/XX/XXXX. They will still not update the website info or the mortgage statements info. 

Please help us by requiring Loancare to update our info on their website to show that yes, we have paid the loan, are in good standing, and modification is being finalized. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, XXXX alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!
Product: Credit reporting

On XXXX XXXX, 2015 I disputed a tax lien that is invalid and inaccurately reported to my account and Transunion has failed to answer me, respond or send me any descriptions and procedures which I have requested and I have run out of patience as this has caused me tremendous stress and loss. I have sent them many request by mail to correct this and they have refused to cooperate. They are illegally reporting a tax lien under # XXXX. I have spoken to the agents who were very aggressive and rude to me, they have denied me any information on how they keep verifying this inaccuracy which was pulled off of my credit report by the State and has since been refunded to me. They are not properly doing their job in secrecy verified or investigating this item, which has left me unable to obtain credit and explain to my mortgage lender attempting to refinance my home. I begged and pleaded on the phone and by mail for them to discuss with me why they have not responded and who had verified this and they failed to provide me with an answer and the agent transferred me to their supervisors who hung up the phone one me while i was speaking to him last week. I have no options left. I have called the state department of recordings an they have informed me that there has not been any attempts made on my name to verify anything, nor are those liens on file with their offices, What is going on with this company? They have to understand what a nuisance this has been to me, and I fear that they do not want to admit any mistakes or take responsibility for the disputes I am raising against them. I will file a complaint with the XXXX as well to inform individuals who are suffering like me to fight this and contact attorney if they are able to. I can not believe how much they have ignored me and blindly verified fake listings with providing me any descriptions and procedures to go along with their results.
Product: Credit reporting or other personal consumer reports

ID Theft Report submitted and then received letter advising me that more info was needed. The Fraud items remain on my report and stopping me from using my consumer credit for me and my family to obtain a home. I have included everything in this submission.
Product: Vehicle loan or lease

Had been struggling to pay for the auto loan for some time now and just recently have been able to get caught up. I had been making payments in smaller increments bi weekly as I could. Most of these payments were being applied towards the principle and interest. I made a larger payment in XXXX for {$1900.00} expecting it to do the same but a large portion was taken for late fees that should have been allocated to the previous payments I made not during this last payment. I spoke to a rep about this who said there is nothing she can do and was unwilling to work with me on the fees. The fees are totaling over {$500.00} which I believe to be excessive & in no way helps me catch up. During the hardship I was in contact with the bank explaining why I was behind, which was a result of Medical bills that have now been resolved then I had 2 deaths in the family resulting from XXXX that set me back at the start of the pandemic when I was trying to get all caught up.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX Block Request Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that XXXX XXXX XXXX XXXX Account Number XXXX please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, XXXX XXXX
Product: Mortgage

This is a response to the company 's response. We disagree and dispute the company 's response. 
Please see the detailed attachment which shows that Ditech is harassing us and claiming that we are behind in payments, even though we have cancelled checks which show that Ditech is lying and committing fraudulent activity.
Product: Checking or savings account

I have been a client of the Huntington National Bank in XXXX, XXXX since early XXXX '' XXXX. 
On XXXX XXXX I received certified letters from the bank informing me of the decision to end their relationship and close all my accounts, more than a quarter XXXX dollars in various accounts and investments within a month. Reasons, and I quote : ( XXXX ) - " Per account agreement, bank can close any account any time for any reason with or without notice to you ", which I don't dispute, AND, ( XXXX ) - " For exceeding our risk tolerance ". 
As a law abiding citizen with no criminal record, even a traffic violation and outstanding credit rating, no mortgage of any kind, always current on paying 100 % monthly bills, including credit cards and current with IRS filing, it was a great shock to me that how can I possibly be a risk to the bank for them to take such a drastic measure. Intent to know the nature of the risk, I contacted the bank and was told they can not tell me anything more than what is in letters of XXXX XXXX and XXXX XXXX ( copies attached ). Subsequently I filed a dispute with XXXX in XXXX, to no avail. They were told bank will only give their response to client only and do not share with third party. 
On XXXX XXXX I received a telephone call from the bank repeating what was in their letter and again not explaining why I am a risk.
Product: Student loan

MOHELA is my student loan servicer. I enrolled in autopay, and my first payment date was XXXX. This fell on a Sunday, so MOHELA did not charge my account on the right day, as it was a Sunday, and marked my account as past due. When I called, they explained this was somehow my fault because my payment date fell on a Sunday. When I asked to clarify and find out if my autopay could be moved to a few days early to avoid this in the future, they asked me if I could do that. I have no idea! It was clear they didn't understand their own system, and are in the habit of blaming borrowers for their shoddy system. MOHELA has repeated issues managing student loans, and should not be allowed to contract with the federal government going forward.