23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am contesting the account with XXXX/XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX XXXX XXXX. to correct this account on my Experian report. I should not owe XXXX XXXX XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Product: Mortgage

I had a first mortgage and Seterus, Inc. was the servicing agent. My home was sold XXXX/XXXX/15 & the mortgage was paid off. Seterus overchanged me on the payoff statement for interest to XXXX/XXXX/15 in the amount of {$880.00} & flood insurance premium of {$490.00} that was not due until XXXX 2015. I was also due all the money in escrow for 2015 since not XXXX cent had been paid out for insurance and taxes in 2015. The escrow account should have had {$2300.00} in it. The total amount due to us is {$2800.00}. I received a check from them dated XXXX/XXXX/15 in the amount of {$880.00} XXXX overpayment of interest on closing statement ). I wrote them a detailed letter showing that they owed me and on XXXX/XXXX/15 they prepared an Escrow Account Statement XXXX this statement does not include XXXX and XXXX 2015, ) and it shows a XXXX balance. It notes that {$880.00} was deducted at a " Misc. Escrow ''. Then I received another check dated XXXX/XXXX/15 in the amount of {$490.00} XXXX overpayment on closing statement for Flood Insurance. I am still owed escrow payments for taxes and insurance from XXXX thro XXXX 2015 in the amount of {$2300.00}. Correspondence from Seterus says if you have any questions call them. I have called them many times only to be placed on hold for XXXX minutes and then told that they could not help me and my only way to resolve this was to write to them. These tactics appear to be designed to frustrate customers and are unfair and deceptive business practices. I want my escrow money that I am lawfully entitled to in the amount of {$2300.00}.
Product: Checking or savings account

OnXXXX XXXXXXXX was unable to access my XXXX} savings account. Company has incorrect information of my mothers maiden name and place of my first job. they refused any further help and I can not access my funds.
Product: Student loan

Sallie Mae is harassing me about making payments of {$440.00} a month starting next month. I have called them numerous times, letting them know I am taking a bar prep course. That is XXXX XXXX hours a day. I taking the bar exam in XX/XX/year>. I have learning XXXX that requires that I have accommodations. Unless, I pass their exam I cant get a job to start paying them back. 
This last year I have been batting XXXX XXXX and was homeless for the last XXXX months because my landlord sold the house that we lived in for the last XXXX  years. 

I have submitted documentation to Sallie Mae confirming the information that is stated above.
Product: Debt collection

XX/XX/2018 for XXXX from XXXX XXXX XXXX from original creditor Temple LLC I called let them know it wasn't my debt and it's still reporting on my credit.
Product: Student loan

I contacted Navient in XXXX to recertify my income-driven repayment plan, Pay As You Earn. They did not inform me of the CARES Act, which would have automatically re-extended my IDR PAYE plan until XX/XX/XXXX with a {$0.00} payment. Instead, they sent me multiple emails requesting income documentation. I since spoke with XXXX, XXXX, this week, and I told her that I wished to have my IDR plan automatically extended until XX/XX/XXXX. She told me that it would be automatically extended, per the federal mandate. I then received an email saying that my IDR plan had been approved yesterday. I contacted XXXX, XXXX, yesterday on XX/XX/XXXX. He told me that my plan would begin the following year in XX/XX/XXXX for {$26.00} a month. I told him that this was illegal, that the representatives had illegally solicited information regarding my income in violation of the CARES ACT. I told him that my income could change due to massive layoffs related to Covid-19 and that this information had been illegally solicited by the Navient representatives in direct violation of the CARES Act. I told XXXX to please change my plan to the federally mandated recalculation date of XX/XX/XXXX. I told XXXX that it was not legal. This morning, on XX/XX/XXXX, I received an email saying that I had payments due in a week. 
" Your calculated IDR plan payment amount : {$26.00} Plan begin date:XXXX Plan end date : XX/XX/XXXX '' The actions that Navient has taken on my account are in direct violation of the CARES Act. Their solicitation of income information when my plan was not due to recertify for another 12 months on XX/XX/XXXX with a recalculation date of XX/XX/XXXX per the Cares Act is against federal law. I have tried to work with Navient, but their representatives lie to me, illegally soicit my income information, and they are in direct violation of the CARES Act.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : 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 and so on.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies and Errors in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies and errors I have discovered in my credit reports from Experian, XXXX, and XXXX. As a consumer, I understand that the law requires accurate reporting, and I kindly request that you take immediate action to correct these inaccuracies. 

Below, I have outlined the discrepancies I found in my credit reports : Credit Report Date : XX/XX/XXXX Experian Credit Report : Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report : Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report : Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is evident that there are inconsistencies in the way my name is listed across the credit reports. The correct and accurate information is " XXXX XXXX. '' I kindly request that you rectify this error by removing any variations and ensuring that my name is consistently reported as " XXXX XXXX '' across all credit bureaus. 

Additionally, I have noticed that my date of birth is reported differently on the XXXX credit report. The correct date of birth is " XX/XX/XXXX. '' I kindly request that you update the XXXX credit report to reflect the accurate date of birth. 

Furthermore, I would appreciate it if you could conduct a thorough review of my credit reports to identify any other discrepancies or errors that may exist. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I trust that you will handle this matter promptly and efficiently. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute. Therefore, I kindly request that you complete your investigation and provide me with written confirmation of the corrections made to my credit reports. 

Please find enclosed copies of my identification documents, including my driver 's license and Social Security card, for your reference and verification purposes. 

I appreciate your attention to this matter and look forward to receiving written confirmation of the corrections made to my credit reports. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above or by phone at [ Your Phone Number ]. 

Thank you for your prompt assistance and cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 60DAY LATE FOR XX/XX/2018 THIS COMPANY FAILED TO VALIDATE THE 60 DAY. THIS 60 DAY LATE IS UNVERIFABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 1 ) XXXX 2 ) XXXX 3 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : XXXX XXXX XXXX # XXXX This account is tied to XXXX XXXX  # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by XXXX XXXX XXXX that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX I got an email that stated two Inquires were put on my XXXX report from Capital one bank on dates [ XXXX XXXX ] and [ XXXX XXXX XXXX ] when I contacted XXXX they confirmed it but, could not tell me how they appeared a month later out of nowhere.I was told to contact capital one for a letter of deletetion but, they have any record of the inquires so they could give me one. furthermore, not to long before the ghost Inquires XXXX suspended my Credit report due to someone trying to use my info until further notice but never consulted me after that message as they said they would then here comes two inquires a month later out of the blue from the same capital one bank. I want these removed from my report with XXXX seeing that they are not being clear on removing the fraudulent inquires.
Product: Credit reporting

My complaint pertains to a discrepancy between the Equifax score reported to me and the Equifax score reported to my mortgage lender. The lender received a score almost XXXX points lower than the one I got. The same credit concerns were identified on XXXX reports, and they were produced within days of XXXX another, so there was nothing to explain why the scores were different. The effect of this is that I do not qualify for the lowest mortgage rate on a house I am purchasing. On an Equifax blog I found a string of complaints from other customers who have encountered the same problem XXXX This tells me I am not alone, but is little solace because it only suggests that the problem is pervasive and ongoing. The crux of the problem is that the score I received from Equifax is essentially meaningless -- not a true guide to how prospective lenders will view my credit. I sent a complaint to Equifax and they provided an explanation -- that lenders in different industries may use different scoring models. This does not address my concern, but merely illustrates it : what Equifax tells me about my credit is not what they tell lenders. The fact that I had paid for access to the full report only rubs salt in the wound. I have requested a refund from Equifax of the {$7.00} that I paid on XXXX/XXXX/2016. My purpose here, however, is to raise a broader concern about the uselessness of credit scores received by consumers, at least from Equifax.
Product: Credit card or prepaid card

Someone applied for a credit card in my name, received a declined letter from Target. how did they get the information to apply, has this happened before. Were not helpful at customer service, rude.
Product: Money transfer, virtual currency, or money service

This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried over the past month to resolve this and have been told " we are working on it on our end ''. In the meantime, they have almost XXXX of my funds " On hold '' and will not release the money. They gave me an internal Ticket # of XXXX. However, my last XXXX attempts to get an update via e-mail have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX
Product: Student loan

I believe I am being scammed by a company called student loan movement. They told me I qualified for federal loan forgiveness but have charged me several hundred dollars in addition to a monthly maintenance fee. This is an example of one of their e-mails. 



XX/XX/2019 Client ID XXXX Hi XXXX XXXX, WHY ARE WE CONTACTING YOU? To remind you that your monthly program payment is coming up on XX/XX/2019, which will be auto-debited from your debit card, in the amount of {$29.00}. 

It's that time of year, time to Recertify your Student Loan Program. Please let us know if you have any changes in your household or your financial situation so we can update your file accordingly. We will need updated proof of income. Below is a list of what you can use as income verification. You can either fax it to us at ( XXXX ) XXXX or you can email it directly to us at XXXX. 



*1 month of consecutive pay stubs with little to no over time for verifiable income. 

Weekly : 4 consecutive pay stubs Bi-Weekly : 2 consecutive pay stubs Semi-Monthly : 2 consecutive pay stubs Monthly : 2 months worth of pay stubs * Most recent Federal Tax Return ( First 2 Pages of your 1040 tax form, please sign these forms before sending them to us ) * Social Security Awards Letter OR Retirement Statement *Self Employed : We'll need a letter stating the following Company 's Name, Location, Monthly Gross. 



If any questions should arise, please feel free to reply here or reach us at XXXX OR toll free at XXXX x XXXX. 



Thank you. 

Student Loan Movement Processing Dept. 
Direct : ( XXXX ) XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Checking or savings account

Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I deposited {$2900.00} in the chase atm and never received the money in my account I filed a claim the next day and have not been given my money back. I have provided the receipt to chase fraud department and to their executive team I have reached out to XXXX XXXX as well and received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a negative entry on my XXXX and TransUnion credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.
Product: Mortgage

On XXXX and XXXX Someone hacked in to my HELOC and took XXXX.I can not get anyone in the Fraud investigation department to respond.
Product: Credit card or prepaid card

While on vacation, I purchased cosmetic cream in from  XXXX   XXXX  in  XXXX   XXXX  Florida. When I returned home to Arizona and opened the package, I discovered that the container was empty and there was no cream. I disputed the charge but my dispute was disallowed because the sales receipt required that an unopened package be returned within 14 days of purchase. The merchant, in writing, solely relied on the return policy and never denied that the container was empty. Nevertheless, the credit card issuer [  Citibank ]  denied my dispute even though I received nothing for my payment of {$260.00}. I contacted the office of th e President of Citibank , N.A . I received a call from a member of the Executive   Response Unit  who continued to deny my dispute, this was followed up by a confirming letter. My next reply to the office of the President was responded to by another call from the same employee. The caller left a message but never responded to my multiple return calls and e-mail. I timely paid this bill in full in order to preserve my excellent credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I had a XXXX XXXX account opened XX/XX/XXXX. Had over a 8 year relationship with them. Account was closed by XXXX due to them not being able to get a hold of me to confirm if it was me or not. 

Since I always paid on time and never had any problems with them they agreed to remove this closed account to all the credit reporters which was closed XX/XX/XXXX. 

After speaking with them several times this has still not been done. I always asked them to put in there notes. This way no one is confused as to what was said.