23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nelnet has been unable to provide proper legal documentation. 

Please provide the MPN in its original form for any and all alleged accounts and disbursements. 

Please provide the MPN for The University of XXXX  XXXX XXXX in its original form
Product: Bank account or service

I had an account several years ago with Chase. I recently tried to open an account with them and said that I was " blacklisted '' they will not give me any reasons as to why I can not have an account with there financial institution. They stated I was sent these reasons years ago. I was sent no such letter. I think this is discrimination. I want to know why. I have done nothing wrong.
Product: Mortgage

PennyMac my current mortgage servicer finally processed my request for mortgage modification. I've been working with XXXX XXXX with Penney Mac with the mortgage company for over a year and they have been difficult to work with and refuse to lower my monthly mortgage. The correspondence with my new modified mortgage payment is XXXX. My previous mortgage payment was {$1300.00}. I was also informed Penney Mac is making a private mortgage insurance claim for the delinquent payments in the amount of $ XXXX.I feel I'm being taken advantage of because you are making a mortgage claim and increasing mortgage my payments. The new payment is more than 31 % of my Gross income. If my payment is based on modification guidelines and my fixed income of {$3000.00} dollars a month, the payment would be {$900.00} monthly including taxes and insurance. I requested this modification because I'm on a fixed income of {$3000.00} and I'm XXXX. I'm also the sole XXXX for my XXXX XXXX father and my son was recently XXXX in a violent crime and was hospitalized for a extended period of time. My son had no health insurance so I'm his XXXX also until he is able to care for himself and I'm having to assist with his medical expenses and medicines. Please Help
Product: Credit reporting or other personal consumer reports

I am writing this letter because I notice there have been several fraudulent inquiries added to my consumer report. Which I did not request to any company. I am not liable for them and ask for them to be deleted. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

I CLOSED my XXXX Bank credit card ending in XXXX but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each day the willful violation remain until permanently corrected. Permanent deletion of my account is demanded as my account is NOT XXXX XXXX Compliant. At a minimum, my account must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a medical bill that has been erroneously attributed to me and has appeared on my credit report as account XXXX XXXXXXXX. This account does not belong to me, and I have reason to believe that it is in violation of the Fair Credit Reporting Act ( FCRA ), specifically section 605b. 

I recently submitted a report to the Federal Trade Commission ( FTC ) regarding the appearance of accounts on my credit report that do not pertain to me. Despite my previous attempts with TransUnion to rectify this issue, the wrongful inclusion of this account has not been addressed. I have requested validation of this debt, and as of now, it remains unresolved. 

I am formally requesting that this account be removed and blocked from my credit report in accordance with FCRA section 605b. Additionally, I request that you provide a validation of debt pertaining to this account that includes all relevant information and documentation. I would like to remind you that any attempts to pursue collection on this account are in violation of the FCRA until the debt has been validated. 

I also want to emphasize the potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) in relation to the inclusion of medical bills that do not pertain to me on my credit report. I expect that all sensitive medical information is handled in compliance with HIPAA regulations. 

If this matter is not resolved promptly and the inaccurate account is not removed from my credit report, I will have no choice but to pursue legal action. I am prepared to seek representation from an attorney to address this issue. I trust you will take this matter seriously and take the necessary steps to rectify this situation in a timely manner. 

I implore you to act swiftly in addressing this discrepancy and provide me with written confirmation of the removal of the erroneous account from my credit report.
Product: Credit card or prepaid card

On XXXX XXXX to XX/XX/2022, myself and spouse went on a cruise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and back ). Two weeks prior to boarding, we paid for a Couples Massage for {$320.00} and also 4 days usage of the XXXX XXXX ( for two people equals {$230.00} ) using our XXXX XXXX XXXX XXXXXXXX. We both had a 50 minute massage at XXXX XXXX in the XXXX XXXX on board the XXXX XXXX XXXX  on XX/XX/2022. 
On my ship account XXXX, using my Bank of America credit card XXXX we were billed {$320.00} for Couples Massage, PLUS {$110.00} XXXX for XXXX XXXX usage for 4 days. This was already paid for two weeks prior to boarding! Also, XXXX XXXX XXXX XXXX shows that we also had a massage on XX/XX/2022. WE DID NOT! Also, on XX/XX/2022 we were charged AGAIN for a 4 day use of the XXXX XXXX ( {$110.00} times 2 ) ... this is wrong! Also, to top it off, {$59.00} was charged to my Bank of America charge card for an 18 % tip to masseuse TWICE!! One charge for 18 % tip is appropriate, but not the second charge of {$59.00}!!
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with XXXX warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received XXXX notice that this program was ending and payments were due. My loans are serviced through XXXX ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a XXXX XXXX of XXXX and I am facing homelessness with my XXXX children next month. I have tried to resolve the matter with XXXX however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.
Product: Credit reporting or other personal consumer reports

I did not apply for no car loans the companies pulled my credit without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 an account without my written instructions.
Product: Debt collection

I have been called 6 days a week 5 or more times a day from this company. I told them this is illegal. They told me they are allowed to call me 5x a day and have me setup in the system that way. The manager told me their lawyers are aware of their practices. I need this to stop.
Product: Checking or savings account

I opened a free checking account through PNC 's virtual wallet program. A couple months later I was informed via E-mail that my account was overdrawn do to a calculated service charge. I have been charged now 3 times in the amount of {$7.00} per month. I never agreed to the terms of this fee or have been informed in any way. After researching the matter it is my understanding that my bank has the right to change its policies. To do so however, the account holder must be notified at least 30 days in writting of changes. I have recieved nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my XXXX AND TRANSUNION credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with Experian because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the Experian report number is XXXX please help me get this item removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1861 section 602 A states the right to privacy.

15 U.S.C 1861 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

On Friday, XX/XX/XXXX at XXXX, I spoke with ( XXXX ). A representative from the collections agency ( Miller Stark Klein and Associates ). XXXX informed me that the reason for his call was because his client ( XXXX ) hire them to collect an outstanding balance that ( XXXX ) claimed it was due for collections for services dating back to " XX/XX/XXXX ''. 

I explained to XXXX, that I can confirm that I did have services with XXXX during XX/XX/XXXX. However services were cancel and there wasn't a balance left on the account. 

If XXXX 's records showed that there was an outstating balance on the account ; why didn't XXXX never contacted me in 12 years. I also explained that I had ( Cable, Telephone, and Internet ) with XXXX XXXX, just last year on ( XX/XX/XXXX ). 

In order for me to have services installed, XXXX did two things ; 1 ) Verified I DID NOT have any outstanding balances with the company for prior services. 2 ) I agreed to have my credit file review, my credit score was XXXX. I had services installed with out the requirement of a deposit. ( Proof attached ) I then went ahead and informed XXXX that as a collections agent, I was sure that he was aware that it was illegal for him or XXXX to attempt to collect on a debt that is 12 years old. I also asked for proof of this debt, he informed me that unfortunately he would have to report the debt. I would also be contacted through a conference call at a later time by XXXX. I also am a XXXX person on Social Security XXXX benefits. 

I'm not sure what to make of this phone call from XXXX. He claims to be employed by Miller Stark and Associates, but its clear that there is a failure for them to abide by the Fair Debt Collection Practices. I also could of been a victim of a phishing scam.
Product: Student loan

I have been calling EdFinancial, emailing EdFinancial, and trying to message, XXXX, request callbacks, etc. from EdFinancial for over a week without success. If they call back it is a dead line- as in there is no one on the other side. I need to talk to someone about my loan BEFORE it is due on XX/XX/XXXX. 
At this rate people are going to accrue interest on loans because they can't even talk to the loan holder, which is absolutely fiscally irresponsible of the loan holder.
Product: Debt collection

I provided a XXXX notice of my intent to vacate the leased property, as required by my lease agreement. The leasing staff acknowledged this notice, and I have documentation to support this acknowledgment. According to my lease terms, this notice exempts me from any early termination fees. 

Additionally, the ledger for my account shows a credit for the last month of XXXX. This credit further confirms that my account should have no outstanding balance. Despite this, your company has reported a balance that is negatively impacting my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning INCORRECT PERSONAL INFORMATION on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Prepaid card

I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss.
Product: Credit reporting or other personal consumer reports

I had reviewed my credit report from Experian and noticed major inaccuracies being reported which do not comply with 15 U.S Code 1681 FCRA. There is 9 addresses, two names and three phone numbers that is inaccurately being reported.
Product: Credit reporting or other personal consumer reports

Never recieved a 1099c from charge off account reporting on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have frozen my credit with all credit reporting companies. I have tried to login to both Experian and XXXX to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.
Product: Debt collection

XXXX XXXX XX/XX/XXXX amount for {$2800.00} does not belong to me XXXX, XXXX. Opened XX/XX/XXXX amount {$550.00} does not belong to me XXXX XXXX Opened XX/XX/XXXX {$1300.00} does not belong to me these negitive accounts are not mine and i wish to have they removed please
Product: Credit reporting

Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX of XXXX : XX/XX/XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXate of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXXXXXX XXXX  of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report and when asked to provide the thorough investigation report and how was the investigation conducted without contacting me their response was they dont need to contact me to do an investigation but that is against the law to conduct an investigation without contacting all parties involved. My credit score dropped XXXX on XX/XX/year> and XXXX points on XX/XX/year> for an account that Ive never been late on points recently and they are unable to tell me why. I need for Equifax to fix this matter asap or further actions will be taken.
Product: Credit reporting or other personal consumer reports

Collections was added to my account when it shouldn't have. 15 usc 1692c ( c )
Product: Mortgage

PennyMac who holds our mortgage sent out two insurance checks in XX/XX/2024, one to our current insurance company and one to XXXX XXXX for {$5500.00} who we canceled. XXXX sent back a refund check directly to Pennymac on XX/XX/2024 for the {$5500.00} and the check was cashed by Pennymac on XX/XX/2024. The refund never showed up into our account or escrow for the refund. Now our escrow account is short and we have a {$320.00} mo. higher morgage payment bc of the shortage. Pennymac is stating that a refund check should have been sent directly to me and deposited. XXXX has sent me a copy of the refund check that was mailed for the exact amount that Pennymac is stating was never received.
Product: Debt collection

I had and have Medicaid I been having my government assistance I dnt know why they coming after me for it
Product: Mortgage

I am writing to express my concerns and request an investigation into significant discrepancies in my mortgage account with Movement Mortgage, involving a HUD lien related to COVID assistance. 

Background : My original mortgage loan was {$690000.00}, initiated approximately two years ago. As per the loan history provided by Movement Mortgage, I have calculated a principal reduction of {$28000.00}. Therefore, the remaining principal balance should be around {$660000.00}. 

Primary Concerns : 1. Discrepancy in Loan Payoff Amount : Movement Mortgage 's recent statement ( XXXX XXXX XXXX  ) indicates a payoff amount of {$680000.00}, which does not align with my calculations. 
2. HUD Lien : A lien from HUD in the amount of {$41000.00} for COVID assistance has been added. When combined with the stated payoff amount, the total exceeds my original loan amount, leading to confusion. 

Specific Questions : 1. Deferred Payments : How many payments were deferred due to COVID assistance or other loan modifications? 
2. Additional Amounts : What is the total amount added to my loan due to these modifications? 
3. Breakdown of Claims : How were the claims, especially the HUD claim, applied to my mortgage? I seek clarification on the distribution between the original loan and HUD assistance. 

In short, my original loan was for {$690000.00}, taken out roughly two years ago. Movement Mortgage states that my current payoff as of XXXX XXXX is {$680000.00}, which does not include the {$41000.00} that HUD claims is owed for COVID assistance. The addition of {$41000.00} to the {$680000.00} payoff amount totals {$720000.00}, exceeding the original loan amount of {$690000.00}. This inconsistency raises serious questions about how claims and partial claims were applied to my mortgage. Despite my attempts to obtain a breakdown from Movement Mortgage and HUD, I have not received clear answers. 

I am concerned about these discrepancies and have not received satisfactory explanations from either Movement Mortgage or HUD. Therefore, I request a detailed breakdown and clarification on how the loan balance was calculated and how claims and partial claims were applied. 

Your assistance in resolving these issues is crucial for understanding my financial obligations and ensuring accuracy and fairness in my mortgage account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX