23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was served court papers from "  XXXX   XXXX   XXXX   XXXX   XXXX  saying I owed them money. I wrote to the company  XXXX   XXXX ,  2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  XXXX   XXXX   XXXX   XXXX , again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting an erroneous late 's on my credit file. They are reporting a few 30 day late 's. They are reporting late 's from XX/XX/2020 to XX/XX/2020. I don't see how this is even possible. I refinanced my loan in XX/XX/2020. The refinance took place in the months of XXXX and XXXX and I was told no payments were required on the new mortgage. I made my last payment to XXXX XXXX  in XXXX. In XXXX the loan was sold to Wells Fargo and I made my first payment to them then. When I call to ask about the late 's it seems like no one knows the answer to my question. I need these late 's removed immediately. 
There is also a late being reported for the month of XX/XX/2020. My payments have been set up on auto draft, ever since i started getting mortgage loans through Wells Fargo. I went in to delete the information on the old mortgage account and I guess the system deleted the payment information for the new mortgage causing me to default. I did not receive any calls, letters, or notices about this late payment which really baffles me as I've been with Wells Fargo for a long time and never had any communication issues. I have had an account with you for a very long time and plea that you remove the late 's from my credit as a one time courtesy. Also under the federal mandate, CARES ACT, you can not report year 2020 late 's.
Product: Credit reporting or other personal consumer reports

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Product: Student loan

My loans were forgiven by Dept of education through public service loan forgiveness prior to the processing pause. Only half of my loans were discharged despite all of them being forgiven and approved. I have made over XXXX qualifying payments. 

When the processing pause started my account was in administrative forebearance and I was waiting for the remainder of my loans to be discharged. My account then had a balance due listed ( which I reached out to mohela about ) but was still in forebearance. 

My forebearance ended this week and was not renewed and now my account is past due. This could negatively impact my credit rating. 



Mohela does not read any messages sent to them. All responses are just scripted and don't answer questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX
Product: Mortgage

I refinanced my mortgage with XXXX approximately XX/XX/XXXX, account # XXXX. There has always been a 15 day grace period with no extra charges incurred if paid within that time frame with this and every mortgage I 've ever had ( since XX/XX/XXXX ) including XXXX. On XX/XX/XXXX XXXX passed the servicing of this loan to Nationstar, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX account # XXXX. To date, they 've failed to pay my Property Tax on time, and now they 've informed me they will now be charging me a {$9.00} " Processing fee '' if I fail to pay by the XXXX of the month. I spoke with " XXXX '' from the account escalation team. She was adamant that this was not a " Late '' fee, but rather a " Processing fee ''? Curious. If that was so, this fee would always be charged regardless of the date so long as it was in the 15 day grace period, no? XXXX explained that most mortgage Servicers are banks, but Nationstar is not and thus uses XXXX XXXX for mortgage payments, thus they charge this 'fee '. This company, through it 's business model, is disguising this fee as a " Processing fee '' when the reality is it is a 'Penalty Fee ' or 'pre-late fee ' for not getting it to them a week earlier than the XXXX. This changes the conditions of my loan by accelerating the late payment date from the XXXX to the XXXX of the month. I do not agree with this action and it was clearly NOT part of the Loan agreement I entered into with XXXX. If this company wants to participate in the servicing of mortgages it must play by the same rules as everyone else or I should be able to op-out of XXXX 's transferring the servicing to them.
Product: Credit reporting or other personal consumer reports

XXXX never served by Courts SEC XXXX XXXX, 603 U.S. ___ ( XXXX ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

Writs never signed and seal by court clerks 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to dispute the following unauthorized credit inquiries on my TransUnion credit report. These were done without my permission. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.
Product: Debt collection

Account name TRANSWORLD SYSTEMS INC Account number XXXX Collection account. {$1.00}, XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX 15 U.S.C. 1692c ( c ) prohibits debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector, without the prior consent of the consumer1. If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communications, the debt collector must comply2.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Previous Name : ( Last Name changed : XXXX XXXX XXXX XXXX ) XXXX TRANSUNION Credit Bureau I have attached the following documents to verify my identity ; My XXXX - Showing Current Address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and Current Legal Name ( XXXX XXXX XXXX ) Social Security- With Previous Last name, waiting for new XXXX to be issued with new legal last name. 
License - With current legal name and previous address. 
Credit Card Statement - Showing Legal Name ( XXXX A XXXX ), Current address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This also proves ownership of the missing account stated in this dispute request. 

You MUST fix this issue asap and not stall to Verify my identity or you will open up yourself to XXXX. 


It has come to my attention that my credit report is currently XXXX XXXX inaccurate. At the moment you are not reporting any accounts even though I had credit for years! 
I previously disputed some accounts that were open to identity theft and were removed, however it seems like XXXX of them has reappeared. It has also come to my attention that you have blocked my current address from reporting to my account. My current address ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) was previously involved in fraud from some accounts that were opened without my consent and charged off. I requested these accounts to be removed and blocked since they were a result of identity theft. 
However, this address is my actual current address and should not be blocking my legitimate accounts from reporting. A family member from this address was opening accounts without my consent, however that was already resolved and SHOULD NOT affect my legitimate accounts. Please remove this block on my current address and investigate the accounts not reporting on my report and add them ASAP. I never requested to put a block on this address, only requested to have a block on those old accounts that were actually a result of identity theft. 




ADD MY CURRENT ADDRESS IMMEDIATELY. 

I have pulled my report from a monitoring website and I will list all of the accounts that are missing! I demand an investigation and fix for my report! 

I ATTACHED A LIST OF ALL ITEMS THAT NEED TO BE ADDED TO MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory medical collection that has been placed on my XXXX and Experian consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.
Product: Credit card

Synchrony Financial is taking extra payments that are being made and not applying them properly. They make it difficult to pay extra payments on promotional balances. They have also " made up charges '' that they have applied to my account that I continually have to call and get fixed. They can not tell me what these charges are. I have had to call weekly and argue with them on applying extra payments to my promotional balances and they continually do it wrong.
Product: Mortgage

My current mortgage is with Ditech. They have missing payments on my account when they found the {$6000.00} mistake they want me to pay all the late fees on the money they missed placed. They said they bounced a bunch of checks which I have not. And now I am facing foreclosure they will not take my money according to their attorney I am actually not in foreclosure. They overcharge my percentage rate and I have been on making homes affordable for several years. Their customer service is extremely horrible And extremely XXXX  and no one is willing to help. I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgage is starting with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and now Ditech. Which in fact they put me on the no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgages starting with XXXX XXXX XXXX, XXXX, XXXX and now Ditech. Which in fact they put me on a no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on TransUnion and XXXX it's showing XXXX. Also the date last active is different on all three.
Product: Checking or savings account

Unauthorized atm withdrawals XX/XX/year> XXXX {$300.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$300.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$100.00} XX/XX/year> XXXX {$100.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$100.00} XX/XX/year> XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Try to contact company no response
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX Balance : {$260000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I went to dealer to look at vehicle. The dealer advised me My credit would be ran with XXXX XXXX, the dealer ran my credit without authorization through multiple banks resulting in hard inquiry, the initial vehicle I had applied for was sold, the dealer called me to come back once they had a vehicle in stock that was sufficient to preference, XXXX again I was told we would continue with XXXX, but it was ran through multiple banks, This is a list of the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a loan for a vehicle through Credit Acceptance for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. Credit Acceptance NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. Credit Acceptance then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. Credit acceptance then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out Credit Acceptance but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently Credit Acceptance shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. Credit Acceptance has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion to advised them i was a victim of their inquiry issue and the representative advised me that based on their information they would not help me take care of the negative inquiries reported on my credit report. I never gave the following companies authorization to run my credit ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX/ XXXX XXXX ( XX/XX/XXXX ). The representative was short and didnt want to help me rectify my problem. I thought the credit bureaus werw here to help, but it appears that they rather then keep you as a victim of poor credit because they PROFIT more from those with BAD CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter around XX/XX/XXXX to XXXX, Trans Union and XXXX here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with XXXX two in both of their major breaches in XXXX  and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

M & T Bank has late payments on my account which is against the law according to 15 USC 1666b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX  XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Barclays is a card that was opened when I had a trip to XXXX so I paid for my accommodation but they offered me to be an associate to belong to packages around the world with promises that were not fulfilled however I never used those terms and I received a card that had already been charged However, I rejected and started a legal matter that I have to reject said offer before the month I have all the papers since it was a misleading offer and I never used said service and they unsubscribed me. This account was closed and now they sold this account to XXXX but they continue to charge me for something that I did not use
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of Identity theft, I have submitted a report to Experian multiple times and haven't recieved any correspondence. My identity was stolen from a family friend and ex employee of mind who stole my identity to open up a fraudulent loan under my name from XXXX XXXX XXXX. I did file charges against him at the time but the XXXX  charged him with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX against me and my family he is now serving XXXX to life for his crimes. This is not my account and should be removed right away. I am attaching an FTC report, my license, and a judges order.