23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home was XXXX and fortunately I was able to sell it and pay the loan off in full. My closing date was XXXX/XXXX/15. I obtained a payoff from the attorney and have the confirmation of delivery in addition to them acknowleding that they had it and said they forwarded it to the mortgage company. They received the payoff in time. It was paid in full based on the payoff and Ditech has still not paid the loan off. They continue to pursue me via mail for collections and are now asking me for proof of Home owners ins. They actually owe me money because based on when the loan was paid off, it was over paid based on the good thru date and they owe me interest for those days. They also owe me money for the forced placed ins that the premium was paid in full for the year in the payoff and I did not use it for the full length of time. The via XXXX tracking # is XXXX check # XXXX for {$350000.00} sent to Ditech Financial LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information and didnt request credit inquiry from creditors
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute several inaccuracies on my Experian credit report that could significantly harm my credit profile. First, please update my name to " XXXX XXXX XXXX XXXX '' and remove all other name variations. Also, the report lists multiple incorrect addresses, including XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX New XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX, XXXX XXXX NJ XXXX ; and XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX. I have never lived at or been associated with these addresses. My correct and current address is XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX, and it should be the only address on my report. Furthermore, please ensure that my phone number, ( XXXX ) XXXX, is the only number listed. Lastly, update my employer to " XXXX XXXX '' where I am currently employed. 
These inaccuracies have caused me significant stress and frustration, as they damage my financial reputation and raise concerns about potential identity theft. Mistakes like these could negatively impact my creditworthiness and are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer information. I request that these errors be corrected immediately to ensure my personal data is accurate and up to date. Additionally, I urge you to investigate how these errors occurred to rule out any potential fraud. Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but Trans. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$10000.00}
Product: Student loan

I am filing a complaint against Fedloans. I am attempting to get my student loan forgiven through the XXXX XXXX XXXX XXXX program ( XXXX ). I have worked for qualifying agencies for more than 10 years, so I meet this requirement. From XX/XX/XXXX to XX/XX/XXXX, I worked for XXXX XXXX XXXX, and from XX/XX/XXXX to the present I have worked for XXXX XXXX XXXX XXXX. I have provided the required documentation signed by Human Resources officers at both companies proving that I work/worked there. 

My first problem is that Fedloans is saying they havent yet approved/confirmed my current employment. I dont understand what the delay is. I mailed off the signed paperwork last fall. Fedloans approved my employment at XXXX XXXX XXXX but not XXXX. I am 100 percent certain that XXXX is a qualifying company because other people who work there are getting their loans approved and HR told me they dont understand why I have not. When I finally got through to a person at Fedloans ( after no one responded to two separate emails I sent, XX/XX/XXXX and XX/XX/XXXX ), they said there was nothing they could do to expedite the process. They were not willing to talk to HR to confirm my employment. They transferred me to a specialist. After waiting on hold for 1 hour and 20 minutes to speak to the specialist, I finally had to hang up. Because Fedloans is not approving my current employment, I am not eligible for loan forgiveness ( you must currently be employed by a qualifying agency ). 

Other problems I have been unable to resolve with Fedloans : 1 ) I am only being credited with payments made to XXXX. I am not being credited with payments made between XX/XX/XXXX and XX/XX/XXXX. At that time, I was making payments to a different loan company, XXXX XXXX. 
2 ) I am not being credited with two lump sum payments I made, each the equivalent of 6 months of payments : I paid {$710.00} on XXXX and I paid {$710.00} on XXXX. 

Thank you for any help you can provide in resolving this matter. My fear is that Fedloans is going to keep ignoring me until they get out of the student loan business in XX/XX/XXXX and I will miss the deadline for student loan forgiveness eligibility ( XX/XX/XXXX ). 
XXXX XXXX
Product: Debt collection

I filed a complaint with CFPB on XX/XX/XXXX regarding XXXX XXXX to stop contacting me about a debt they claim I owe as follows : " XXXX XXXX have emailed me on XX/XX/XXXX and XX/XX/XXXX claiming I have a debt that I owe amounting to {$1000.00}. They state a legal review may be approaching and that they will forward to an attorney for a possible lawsuit in less than 6 months. '' They sent a response on XX/XX/XXXX with the message " After researching this matter, it has been determined XXXX  is not the responsible party on the account. XXXX  should no longer be contacted by XXXX XXXX XXXX XXXX ( XXXX ) or any company hired by us regarding this account. We apologize for any inconvenience XXXX  may have experienced. '' I have since received emails on XX/XX/XXXXXXXX XXXXXX/XX/XXXX, and XX/XX/XXXX from XXXX XXXX claiming I owe the same debt of {$1000.00}. The personal information in the email is not even mine nor I have ever lived in the city in the address provided.
Product: Credit card or prepaid card

I paid my XXXX payment through my bank 's website as I do every month and they received it on the due date ( payment is due the XX/XX/XXXX of every month ). I was surprised to see a late fee on my XX/XX/XXXX bill so I called and was told that the late fee would be waived. Then I paid my XX/XX/XXXX bill through my bank 's website on the XX/XX/XXXX to avoid the hassle I had the month before. Earlier this week, I started receiving calls from XXXX XXXX. I called them back and they said I shorted my XX/XX/XXXX payment {$33.00} so I needed to pay that plus an additional late fee because the {$33.00} was late. I informed them that the {$33.00} was the late fee that was waived. They said they took the late fee off my balance and I still owed them the additional {$33.00} plus late fees. This did not make sense to me because any time I have been charged a late fee and had it waived it was always waived from the total amount due that month.I was told this most recent late fee could not be waived because they had just waived a late fee. I informed them that the first late fee was erroneous because they had received my payment on the due date. I was basically told they could do nothing and I needed to pay these additional late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached files of dispute items that I am requesting to investigate and remove from my credit report.
Product: Student loan

I previously allowed the company to take automatic payments and requested for the automatic payments to stop and they refused saying it is required for my loan. The company is also using a credit card to disburse payments to my school in which I am being charged an extra fee for credit card payments when the final loan documents did not have that as a disbursement option.
Product: Mortgage

I am paying my mortgage payment on time but they reported that i have 10 late payment which is not true .I bought this house in XXXX, and XXXX XXXX  XXXX XXXX sold me to Nation star called Mr Cooper.XXXX XXXX XXXX XXXX they was no report any late payment, All 20 years always paid on XXXX of every month, Then in from XX/XX/XXXX to XX/XX/XXXX reported 10 late payment, I was/am paying what i suppose to. In XXXX they started playing with figures/dirty tricks and not putting money in to mortgage account using it to lenders fees and partial payment .They did not write to me or inform me.Even from XX/XX/XXXX to XX/XX/XXXX i paid XXXX instead of XXXX so i can pay loan early. They did not put extra money to my principal using it here and there playing with dirty tricks, Then i called twice on XXXX XX/XX/XXXX and XXXX satisfactory answer. Then send them two email from my email account XXXX on XXXX and XXXX XXXX to there research wings .They send me latter and put two month XXXX to the principal. 
I am request is inquire why they using my money here and there, Get all report from them. That what I understood the i was trying to pay off to finish it off, And stared playing with figures
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF ED/XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$7500.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$4100.00} U S DEPT OF EDXXXX ( Original creditor : XXXX  XXXX XXXX XXXX Balance XXXX {$10000.00} U S DEPT OF ED/XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$4200.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXL Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Mortgage

I applied for a modification XXXX XXXX. I had a NSF which terminated the modification in XXXX XXXX. I attempted to pay a mortgage payment, the payment was denied. I was informed by the mortgage co, I needed to pay the pass due amounts. When I questioned where was the monies I paid during the time I was in the modification, I never received a clear understanding of what the monies were applied to. I was advised that I could apply for another modification, only to find out that, that modification was denied also, reasoning was you can only apply for a modification once every 2 years. I applied for my 401k to payment my mortgage payments. The first request was denied from my 401k, because I needed to request a form from the mortgage company which I did. The 401k request took time and the mortgage co was made aware of my every attempt to pay my debt. Now I have the money to pay to debt from the letter the mortgage co sent me, the debt is outstanding now, because more fees have accrued. I feel discriminated against.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. According to 15 USC 1692c my rights have been violated by unlawful communications. Please remove the following from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.
Product: Credit reporting or other personal consumer reports

The XXXX credit card company placed a late payment on my XXXX XXXX, XXXX and Equifax report. Which has my credit being reported as 30 days late. This company removed the late payment but still reported the card as being late, which is in violation of the Fair Credit Reporting Act. I'm requesting that this item be removed and deleted from my current credit report. As stated by one of their representatives " that the account is in good standing, and it should not have been reported in that manner or time ''. I'm requesting a voice recording of that conversation. It will clear my name and correct the status of which this company is reporting. That has destroyed and damaged my credit status.
Product: Debt collection

XXXX XXXX sent a letter trying to collect XXXX for a facility. I contacted facility and asked if we had any outstanding balances. We paid copay amounts upon our regular visits and any copay amounts due on follow up visits. I sent XXXX a letter stating balance was not owed and verified by alleged original debt collector. I requested letter showing balance forwarded from alleged original debt collector. No information was received and another collection notice was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX card and spectrum on my credit report. I had spoke with the credit one and XXXX gas because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt of $ XXXX comes from and then i explained that i had been frauded by my caretaker when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil
Product: Debt collection

I am writing you to dispute this charge. When we canceled XXXX  service it balance was XXXX. After our account was closed and all equipment was returned they stated we old {$180.00} because of and box we needed to get cable access up stairs. They stated because we got that box our contract was renewed for an additional 18 months and that we canceled service before the 18 month period ended. Thats ridiculous and they need to stop calling us. Period. This is my number, XXXX. They are calling my father in law who is XXXX and does not understand and can bearly hear what they are say. Please call me directly concerning this matter. Thank you.
Product: Credit reporting

I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's another person 's name on my file, and there 's still an adverse account that does n't belong to me listed on my credit report. I DO N'T recognize the other person 's name, NEVER had that account, and my credit reports from XXXX and XXXX do n't have such nonsense. I 've contacted Experian OVER XXXX times and wasted too much time because of this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went bank rupt ten yrs ago no credit someone applied for credit in my name finally I got 3 little credits to build my score only to get sick but had ins on it they are closed now however I have some on their from XXXX up to XXXX till today it says that after 7 yrs its to come off 10 yrs if bankrupt its been 11 or 12 on bankruptcy im tryin g to buy a house and its killing it
Product: Credit card

XX/XX/year> I open up travel credit card at Navy Federal Credit Union. Booked all my travel itinerary to XXXX with that credit card. On XX/XX/year> notified through travel notification Navy Federal Credit Union about traveling to XXXX. On XX/XX/XXXX, at the restaurant Eat at XXXX waitress charged my 3 times for breakfast. First she topped my credit card, second she inserted then she said my credit card is not working, and I have to use another credit card. I paid with my XXXX credit card. After when I checked my account I saw XXXX charges of {$6400.00}. Contacted restaurant no luck of refund. On XX/XX/XXXX I Filed dispute with Navy Federal Credit Union, provided whole explanation, copies of receipt. I called them 4 times, and they closed my claim without help. All XXXX transactions were made at the exact same time, same day and same location as they can see. I provided all supporting documents, and they close my claims without reversing transactions. When calling them they couldnt provide even explanation why my claims were closed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

I submitted my mortgage assistant application on XX/XX/2018 since that date my point of contact XXXX XXXX will request documents week by week and most of the time she will request the same document as the previous week even though she confirms she receives it. i will attach all the documents that have been submitted letter of explanation as well. I feel she is delaying the process and dual tracking dragging the process with no reasonable explanation. When I try to reach out to her she is never available at her desk
Product: Debt collection

I went to the emergency room XXXX time in XXXX while I was at the XXXX XXXX I paid the debt in XXXX when I received my XXXX check. I do not recall a XXXX visit to the emergency room.