23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and I noticed Experian you are reporting some late payments from XXXX XXXX that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. I have attached a copy of my identification and notorized letter. Account Name : XXXX XXXX Account Number : XXXX Dates reporting not accurate : XXXX, XXXX and XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two credit hits in my report from the Company Credit Control Group for the following alleged amounts ( which I do not own ) and I am requesting proof of debt if they are taking the liberty to write to the Reporting Agency : 1. Potential Negative - Major Derogatory Source : XXXX Balance amount : {$300.00} Is Collection : Yes Open date : XX/XX/2023 Name : Credit Control Corp Phone : XXXX Business type : XXXX  Street address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. Potential Negative - Major Derogatory Source : XXXX Balance amount : {$230.00} Is Collection : Yes Open date : XX/XX/2023 Name : Credit Control Corp Phone : XXXX Business type : XXXX Street address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX This is inaccurate reporting and needs to be removed immediately from my reports. Please send me a copy of my credit report when the above deletion has been done.
Product: Mortgage

Since our VA XXXX mortgages  were serviced by Carrington Mortgage Services, payment amounts fluctuate month to month. Our auto-pay payments were held 'unapplied ' to our accounts. Meanwhile Carrington charged us fees and report to credit agencies for non payments. Auto-paid payments arrive at Carrington on time every month. When the paid amount does not match their ever-changing new mortgage amount, they hold the money in their account instead of applying to our account. They keep the money, charge us fees for non-payment and report to credit agencies. This is on-going and recurrent affairs to us. We have multiple mortgages with them and other institutions. No other banks conduct business this way. Our experience is not unique. There is a group called 'Carrington Mortgage XXXX ' with hundred of members with same experience. They prey on their customers whom they acquired from other banks such as XXXX. Carrington 's business tactics must be illegal and consumers must be protected.
Product: Checking or savings account

I received a letter from Chase they decided to end the banking relationship on with me by closing down my checking, saving and all credit card accounts on XX/XX/XXXX. I called and inquired the reason behind this and talked to XXXX different customer reps, but none was able to provide me with any information. I have a lot of payments ( utilities, XXXX XXXX XXXX XXXX XXXX ) linked to my checking ( it is my main checking ), as well as direct deposits from work, so this is really a huge inconvenience for me and I don't even know what I did wrong? Please help!!!
Product: Debt collection

I had a collection placed on my credit with SECURITY CREDIT SERVICES, I contacted them several time to resolved it. I was able to talk to someone on XX/XX/2018 and settled the debit by paying it in full, only after repeated attempts to get a copy of the rental contract I sign. I never received the contract with my signature as I requested several times. I needed it to get off my credit as it was preventing me from gaining a home loan. I paid in full the balance as required and for accepting my payment in full they agreed to fully remove the collection from all three credit bureaus. I have received notification that it was listed as paid but still on my credit bureau and has not been removed as agreed to. furthermore I have requested proof that they sent a removal to credit bureau and as of today have not received this. I want them to live up to the deal that was agreed to. I am also contacting the XXXX, NC Attorney General and filing complaints prior to filing a small claim lawsuit in civil court.
Product: Debt collection

Citibank , N.A . and their attorneys XXXX XXXX XXXX XXXX XXXX are trying to sue me without proper evidence that this debt belongs to me. No signature, nothing that identifies that I own this debt. They have falsified court documents claiming that they served me a notice, which they never did. The date that they stated that I was served, I was not in the state.
Product: Debt collection

I am writing to formally request the deletion of closed accounts listed on my credit report due to abusive and unfair practices by the debt collector involved. This collector furnished an account without my consent, despite a legal contract that I did not agree to, as the debt was paid and closed by the buyer. 

Additionally, they failed to adhere to the proper five-step validation procedure mandated by the Fair Debt Collection Practices Act ( FDCPA ), which constitutes a violation of my rights. Under 15 USC 1692, I am entitled to {$1000.00} per violation, and their actions clearly infringe upon these rights. 

I appreciate your prompt attention to this matter and look forward to the swift removal of the erroneous accounts. 

Thank you
Product: Student loan

I have made 87 payments towards Public Service Loan Forgiveness. Recently consolidated to Mohela and they calculated my payments to be $ XXXX and by my calculation using various calculators this is a higher payment than it should be based on my household income and my household federal student loan debt burden ( my husband also owes $ XXXX ). 

I can not get through to Mohela to get this addressed. Please help!
Product: Checking or savings account

I had a checking account and they are holding me accountable for overdraft fees and fees of pulling money out that I never pulled out also the fact that my account had a deposit for money in it and they blamed me for it and I wasnt even around the state and someone was signing into my account so now they say I owe them money and closed my account out and won't let me open another one..
Product: Debt collection

On or about XX/XX/2022, I received a debt collection letter dated XX/XX/2022 from " COLLECTION BUREAU OF THE HUDSON VALLEY , INC. On XX/XX/2022 I responded to their debt collection letter disputing the debt and to validate the debt according the FDCPA provisions. I mailed the letter via USPS paid postage and have a copy of the USPS stamped paid postage. 'COLLECTION BUREAU OF THE HUDSON VALLEY XXXX hereinafter " CBHV '' never responded to my letter therefore is in violation of the Fair Debt Collection Practices Act and the FTC XXXX 
I am filing this complaint because they have violated my rights and have damaged my credit rating by falsely reporting a debt collection on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my mortgage company, XXXX XXXX, called me regarding a refinance offer that I qualified for. When I told the loan officer- XXXX XXXX , that I would like more information he said that he would put some scenarios together so that we can discuss further ideas. He never asked to run my credit or informed me that he would be conducting a credit inquiry as I would have declined that. On XX/XX/19 I get notified by my credit monitoring company that a hard inquiry has been made by XXXX XXXX XXXX. I contacted the loan officer and asked why the inquiry was made and he stated that I had approved the credit check, which is 100 % false. I requested his supervisors number- XXXX XXXX , left him a message to which he never called me back. I then called the loan officer again and requested upper management contact info and was given- XXXX XXXX XXXX When I called the direct line it was an incorrect number and when I asked the operator for Mr. XXXX XXXX 's number, I was told there is no such person working for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score on Equifax and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank XXXX XXXX Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to Equifax, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank XXXX XXXX Credit Card. I filed a dispute on XX/XX/XXXX, but Equifax claims the account is in my name.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was approved for a loan in the amount of {$700.00} from XXXX  XXXX XXXX dba XXXX XXXX XXXX. The loan payment is extraordinarily high ( 713.74 % ) but I was desperate for funds. I have made payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and then {$130.00} on XX/XX/XXXX, {$120.00} on XXXX and {$120.00} on XX/XX/XXXX. 

I have discovered that this company is not legal in CT therefore I should not be paying these fees. I have overpaid them {$510.00} and refuse to pay them anymore. 

I want to warn others from getting involved.
Product: Mortgage

We had requested a home mortgage modification a few times previously, each time we were told that our documents had been lost in the mail, or we needed more documentation that did n't exist. We applied ( again ) for a Home Affordable Modification Program mortgage modification. We were having difficulty maintaining our home payments. Not only was our mortgage extended out another 30 years, but we were charged a XXXX fee of {$11000.00}! We felt as if we had no other option, so we agreed. After reading the article in XXXX XXXX, we are hoping that you can help us.
Product: Student loan

I've attempted to contact Aidvantage multiple times, but have not received a single response to my messages through their website and haven't even had a customer support agent answer my phone calls after being on hold for more than an hour. Their website lacks so much functionality that I can't even see the outgoing messages I've sent to them. It should be illegal for Aidvantage to understaff their customer support team by this much as to make it seemingly impossible to get a response to simple questions and requests. It only takes a quick XXXX search to find thousands of similar complaints posted online. There are so many reports of people that have contacted Aidvantage and received wrong information, including being put in the incorrect income driven repayment plans and having payments applied incorrectly. I have zero faith in Aidvantage to service my XXXX XXXX accurately. I don't know why Aidvantage was allowed to take over XXXX 's portfolio of student loans, because I never had any of these issues with XXXX. Aidvantage needs to be legally required to answer their customers questions quickly and accurately, and if they aren't able to do that they shouldn't be able to service these loans and the loans should be forgiven.
Product: Credit reporting

I have disputed this information with XXXX/XXXX several times. This account was included into a Chapter XXXX case XXXX XXXX XXXX and discharged back in XX/XX/XXXX. I spoke with a rep call XXXX ID # XXXX. He stated he show another chapter XXXX bankruptcy filed & in XX/XX/XXXX he can add the debt to. Why are you adding a discharge debt to a current bankruptcy? 

XXXX/XXXX XXXX .... {$200.00} as of XX/XX/XXXX XX/XX/XXXX Petition for Chapter XXXX Bankruptcy. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help take care of these inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is displayed negative information in XXXX XXXX application. 
That's the reason my credit score is impacting and my profile is showing negative. So please report the post as soon as possible. 
I have already clear all the emis and also I got loans clearance certificate by XXXX finance. 
So that don't display this kinds of negative post any where. 

Please find the attached XXXX XXXX XXXX.
Product: Debt collection

Mnet Financial has called me and left messages for me regarding a debt at my place of employment, despite being told not to. The most recent message was left on my work voice mail on XX/XX/2018 at XXXX CDT.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Citizens Access. That same day, the online account was locked. After a call to customer service I was able to access the account to fund it with XXXX dollars from another personal checking account at XXXX XXXX. One day later the account was locked once again. I called to request access again and was told they required a hold harmless letter from the depositing bank. When asked why they said it was flagged for fraud because they could not verify the account belonged to me. They did not disclose the reasons for flagging the account. This was told to me by XXXX XXXX supervisor ) and she gave me " request # XXXX '' for reference of my " case ''. I called XXXX and told them of this request which they found strange seeing as the account is under my name and a simple statement would suffice. I called Citizens Access again to explain this, once again they did not disclose much information but said I could request an ACH reversal or send the hold harmless letter because they could not " verify funds '' despite the account having been funded since the XXXX. Since I wanted to take advantage of their current APY rate I continued my attempt to provide this hold harmless letter. Panacea provided this on XX/XX/XXXX, they also faxed it to XXXX. I received an email saying my account had been funded which was odd because it had been funded on the XXXX. On XX/XX/29 I called once again and was told the funds were being sent back. I did not request them to be sent back but hoped to be rid of this headache. On XXXX I called once again because my funds had not been returned to my XXXX account at XXXX. I was told it was would take10 business, when asked what address it was sent to they refused to tell me, until I raised my voice they finally disclosed my address which was correct. I am not hopeful the funds will arrive, this is affecting my progress to secure a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a CFPB complaint to Transunion in which they responded to me through the CFPB and said they will reach back out to me in writing in 30 days. Its been over 30 days and I still have not received any response. This is against the law to have to go through this. Itll be 120 days since ive sent out my first letter to them with no response, which is the reason why I submitted a CFPB complaint in the first place. I will now seek legal action to help me get through this problem I am having.
Product: Mortgage

Background : I have a checking account and Line of Credit that is in repayment with Citizens Bank. My company also has accounts with Citizens. Every month since the LOC went into repayment my company cuts a check for at least {$700.00} which more than covers the amount due every month. 
On XX/XX/XXXX I mailed the {$700.00} payment as I normally do every month. On XX/XX/XXXX I received a statement from Citizens indicating that my payment was over due. I went online immediately and transferred {$600.00} and {$10.00} from my personal checking to cover the overdue amount. 
On XX/XX/XXXX I sent in another {$700.00} for the XXXX payment. On Saturday, XX/XX/XXXX I received a certified letter which said that they were going to start foreclosure proceedings. On Monday, I called the help line and after 3 hours was told that the payments never posted and that I had to prove that they were paid. All of the accounts are Citizens accounts. I was told that they could see the payments coming out of the account ( XXXX  ) that the checks were cut from but couldn't see where they were posted to the account. 
So as of today, XX/XX/XXXX, despite several calls and a visit to the local branch, Citizens has received over {$2000.00} ( two checks, one online transfer ) and not one dollar has been credited to my LOC! I also can't find out where the online transfer went. Although it shows it debited from my checking account, it doesn't show that it was posted to the LOC. 
I suffer from XXXX XXXX and XXXX and have been extremely stressed out and can't sleep because the whole thing is Citizens fault and no one will help me straighten it out. All I get is a run around.
Product: Credit card

Complaint : Fraudulent Transaction and Unfair Dispute Resolution with XXXX, Wells Fargo Credit Card I am writing to express my frustration and disappointment with the handling of a fraudulent transaction on my XXXX, Wells Fargo credit card. Despite my efforts to dispute the charge, Wells Fargo rejected my claim, citing that the card was still in my possession. 
Incident Details : Date of transaction : XX/XX/XXXX Amount : {$360.00} Location : Physical store in XXXX, XXXX XXXX ( I was NO where there ) Date of discovery : XX/XX/XXXX Dispute resolution : Rejected by Wells Fargo Issues : Unfair Dispute Rejection : Despite providing evidence that I was not present at the transaction location, Wells Fargo rejected my dispute. I find it unreasonable to deny my claim based solely on the card 's physical possession. 
Lack of Transparency : When I requested the transaction time, Wells Fargo claimed they did not have this information. This lack of transparency erodes my trust in the bank. 

Request : I request that the CFPB investigate this matter and take necessary actions to ensure that Wells Fargo reverses the disputed transaction and removes any associated fees. 

Thank you for your attention to this matter. I look forward to a resolution. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account # XXXX ( Late Payment ) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Cc : CFPB FTC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized inquiries on TransUnion credit file. 

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> I contacted creditor/furnishers, who placed the inquires on my credit file and asked them to remove it. However to date there have been no contact or message from them. 
Since they have not respond to my demand as of yet, I am assuming that they do not have any evidence to provide and I am requesting TransUnion to delete those inquiries from my credit file
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I refinanced with XXXX XXXX. As part of that refinance the Bank had the Title Company cut a check to Capital One to payoff my Walmart Credit Card in the amount of {$710.00}. On XX/XX/2019 that check was taken into the XXXX Kansas Walmart to payoff the Credit Card ( Receipt attached. ) On XX/XX/2019 that check cleared the Title Company 's Escrow Account, copy also attached. As of XX/XX/2019, the balance remained on my credit card and so I called the customer service line with the title company also on the line to provide the details of the cleared check. We were told to fax in a dispute request to XXXX with the info, so that was also faxed in XX/XX/2019 ( attached. ) This payment has yet to be applied to my account and I received a letter from Capital One that this was Walmarts responsibility and that they could do nothing. Walmart has been in possession of my {$710.00} since XX/XX/2019 and have yet to provide a resolution or apply the payment to my account. With the check cleared it is too late to place a stop pay, so Walmart is in possession of funds now that have grossly been mishandled and do not seem to know where they are which seems down right fraudulent considering all the evidence attached to this complaint that they are in possession of said funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX