23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela messed up my consolidation application by putting me on the wrong payment plan. They keep increasing my monthly payment. Went from {$250.00} in XXXX to {$610.00} ( {$190.00} for XXXX and {$420.00} for the consolidated loan on a standard 10yr plan ) in XXXX to {$1000.00} ( {$630.00} SAVE plan and {$420.00} for the consolidated loan on a standard plan ) in XXXX. 

During this time my account balance during this time actually decreased from $ XXXX to $ XXXX because I paid off some of the highest interest loans. 

I filed another application for all loans to be on the SAVE plan. Customer service stated that IF I am approved my loan payment will be around {$500.00}. Processing will take four to six weeks.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) : # XXXX XXXX  : # XXXX has violated my rights. 


15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of this matter, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 separate collection companies attempting to collect on behalf of the same creditor on my credit report. I have attempting to dispute this debt multiple times with the original creditor, prior to the collections phase unsuccessfully as the information is not correct. I have also tried to dispute with the 1st agency that reported a collections record under my name as well as the second agency. Regardless of the fact that the debt information that is being reported is inaccurate. I know that it : duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. I am unable to get help from either the original creditor, the debt collection agencies or the 3 major credit reporting agencies to which I have submitted multiple disputes. Please help me, as each agency has continuously made monthly reporting updates and balance increases. This is illegal collection activity. 

CNTNTL COLL - This one was reported first. Both are on behalf of XXXX XXXX XXXX Other Loan Past due : {$5400.00} Collection/ Chargeoff Other Loan XXXX XXXX XXXX Past due : {$3800.00} Collection/ Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( ACCOUNT NAME : XXXX XXXX XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

XXXX XXXX XXXX of XXXX, GA issued me a moveout checklist on a particular date. It was requested back in 5 days to dispute any damages or issues found. My wife went into labor and was hospitalized in the same timeframe and I was out of pocket. During this time, my wife experienced complications which required my presence with her and our 4 other children who are all of school age. On the 6th or 7th day I responded with my dispute and photo 's of items they claim are damaged or were damaged by myself and do to not meeting their timeline, they responded with collections. Their documented photo 's have been requested more than 10 times for more clear photo 's of damages verses small photo 's not able to be zoomed in on. Their photo 's are also grainy and hazy and can not be distinguished. There is no way to identify damages of one item and the second item I sent them photo 's of damages that were there upon our move in with time stamps. These photo 's were also discarded. I believe this has happened before or is an issue that happens often being I reside in a state known to be a " XXXX XXXX ''. 

Both my wife and I requested a walk through inspection with the Unit Manager to identify any damages or areas needing to be touched up since I do operate a small handyman company and would have been more than willing to patch, repair, or touch up areas within my skillset. Carpet cleaning and lock-smithing are not my scopes or work and would be charged anyway and I would have no argument there after. 

The collection company ; Hunter Warfield, has been in contact with me across the span of 2 months. I've requested they send me photo 's of the images that can be seen and they have twice only sent me the same invoice from the property management company with no photo 's. Hunter Warfield claims to have sent photo 's to my XXXX XXXX but can't and won't inform me of the time they were mailed, nor the tracking information to legitimize not only the validity of damages or the verification of evidence provided for fair and equal benefit of both parties. I keep my mail assigned to " Informed Delivery '' through the U.S Postal Service and there have been no such letters including photo 's of damages I've been charged for in the mail or email or any other method. I have emails, photo 's and some recorded conversations between myself and the property manager and the collection firm. 

I also believe that following this complaint, the two companies will make it harder or more unfair red tape for tenants due to the force behind them given by the state of residence and the financial backing of a collection agency on retainer. This also paired with the lack of education of many consumers will punish other consumers due to the property management company taking advantage of their benefits in the state of Georgia. 

Of the {$260.00} remaining balance, I countered that with an offer to pay {$75.00} for toilet seat replacement and in return these items would be " Deleted '' from my credit report. Hunter Warfield rep spoken to XXXX XXXX, 2022 declined offer and stated it was no where near their tolerable or allowable range to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple frauds-across multiple time frames
Product: Debt collection

Yesterday I received a wage attachment/Garnishment from The department of education via debt collector Coast Professional Inc. They are about to seize 25 % of my disposable income from my check. 

The money is said to be {$78000.00} loan of which I have never seen or heard of. It does not tell me dates of the loan, who the original provider was nor what school the loans are from. 

When I check my loans on federal student aid website, none of this matches what they are attempting. When I check my credit report, I havent noticed anything like this either. 

I have called the numbers listed both yesterday and today and havent gotten through. 

I do not know how a company can just take money from your check without attempting to reach you or discuss payments first. I already have garnishments regarding family and simply can not afford something else taken out without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem that I keep facing is with my personal information that is listed to my credit report. Such as name, addresses, and contact information. I have requested that the credit bureaus remove information and they have not do such. I need assistance to updated my credit file to show accurate and complete information.
Product: Debt collection

I received an email from this company claiming to represent Wells Fargo telling me that i owe them money. I have not had an account with Wells Fargo for nearly 20 years, and at the time that my account was closed I XXXX  out the account and closed it. I never had a line of credit or an overdraft protection attached to my account, so there is no way that I could have a negative balance.
Product: Debt collection

Complete credit solution is violating my rights as a consumer, they have not provided me any ORIGINAL documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this account.As defined by the IRS, even if you didn't receive a form 1099-C, you must report canceled debt. This company is in clear violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) with furnishing inaccurate information.
Product: Mortgage

I paid my mortgage on time every month. My original mortgage company - XXXX XXXXXXXX XXXX  - sold my mortgage to a new mortgage company - XXXX. They claimed a notification was mailed, for which I never received! Believe it was sent to an incorrect address? I continued paying my original mortgage company every month. On the third month, the XXXX XXXXXXXX XXXX company returned my mortgage payments in full. When I discovered this, I contacted them to understand the problem. That is when they informed me of the sale. 

I then contacted the new company - XXXX, to learn of the correct payment details, explained what happened, and made remittance of the 3 months of missed payments. 

I thought everything was fine, as I continue to pay my mortgage each month on a timely basis as always. I then discovered that my credit score had dropped dramatically. Further learning this was caused because the new mortgage company reported the error payments as 3 months late. 

I have made numerous attempts to resolve this with XXXX, having contacted them on at least 5 occasions, but have become frustrated with excessive waiting times, and phone transfers without anyone willing to review and address my issue? In XXXX, they did review the credit issue but failed to follow up. Then on my last call ( XX/XX/XXXX? ), they told me I needed to start all over again, which I did. The manager said they will review and fix the issue, but to date this still has not happened. 

The credit reporting companies are insisting I need to provide a letter from my new mortgage company that retracts the complaint and allows me to correct my good payment record. I feel I have been pushed in circles and do not know where to turn to fix this problem. Can you help? 

Reference : XXXX XXXX XXXX XXXXXXXX - account # XXXX XXXX - account # XXXX
Product: Debt collection

I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. 
The documents attached are in the following order 1. The first request for debt validation sent by me 2.  The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter
Product: Student loan

In XXXX and XXXX quarters of XX/XX/XXXX and the entire XX/XX/XXXX year I experienced financial hardships. Me and my wife lost our jobs, had a vehicle repossessed, got behind {$3400.00} on rent, and lost health insurance to name a few hardships. I made Navient aware of my financial situation and they were unwilling to work with you to lower my payment despite the fact that I was below poverty level. I even enrolled at an online school just to dodge Navient and that turned out to be a mistake because I consequently inherited more debt. 
I understand my obligation I just wish Navient was easier to deal with and more understanding towards poverty stricken customers.
Product: Debt collection

I received A auto insurance bill for {$300.00} after policy was canceled although my premium was only {$110.00} per month. There trying to say they kept my police opern for three months with no payment. no way they would cover anyone for three months with no payment. I am willing to pay for the month I owe but they hold you hostage with the threat of destroying my credit for a bill I do not owe Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi, who adminstrates Best Buy 's credit card ( " Rewards Card '' ) program, has to date assessed me over {$71.00} ( XXXX ) dollars in late fees, interest, and penalties on a XXXX debt. Yes, literally. Evidently what happened was that I had a payment of {$20.00} which arrived on XXXX XXXX 2015. Citi claims the payment was due on XXXX XXXX, even though the payment ( and an additional XXXX of {$30.00} on XXXX XXXX ) appeared on it. Most credit agencies synchronize their billing cycles with their statement periods ; evidently Citi lacks the resources to do this ( or deliberately advances the due date so that what happened to me happens to lots of other people ). So, net result is that on XXXX XXXX, instead of having a balance of XXXX cent, they slap a late fee on to cover the obviously de minimis shortage. I spent something like 45 minutes on the phone with XXXX different representatives on XXXX XXXX. The first XXXX, perhaps recognizing the ludicrousness of the situation, could not escalate me fast enough. The last person, a " manager '' who did not even offer his name, insisted that he was " not being a robot '' by refusing to waive the late fees and " interest '' that had accrued on my one-cent balance. 

Actually, at XXXX point I was told that I was assessed XXXX dollar of interest on XXXX of principal. I do n't know where that XXXX came from. Did I buy a candy bar at a Best Buy store the last time I visited XXXX, some months ago? At any rate, XXXX dollar of interest on XXXX cents in ONE MONTH is not an APR I 'd care to calculate. To call it " usurious '' would be an understatement. I offered to make a payment of XXXX cent if the remainder of the balance -- all of which was late fees and penalties consequent to a one-day-late, one-cent-short payment -- was discharged. Citi absolutely would not do this, and claimed to have no more senior manager to which I could be escalated. Instead, I will receive a call in " 24 to 48 business hours '' ( so, potentially, as late as close of business on Monday, XXXX XXXX XXXX from someone who, I was advised, would " repeat the same information and policies to [ me ]. " Moreover, I do n't know why they processed the payment when they did. Perhaps there was a delay at their processing center. Perhaps it was n't even an accident, but one of those " accidents '' designed to milk their customers of late fees as some sort of punishment for not paying early ( and to juice the company 's bottom line in compensation for so many consumers discharging debt since the financial crisis ). I schedule all of my payments through my bank 's bill payment service, which I have used for 15 years. I know for a fact that their payments in fact frequently arrive early, and only once in that 15 years have they actually lost a payment ( and they made me whole for it ). 

A thoroughly ridiculous situation. A {$35.00} late fee on a balance of {$20.00} is usurious enough ; to assess such a late fee on the same day as the balance is paid down to {$0.00} is absurd. 

I 'll no longer be doing business of any sort with Best Buy. I would caution anyone against entanglements with Citi.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance Owed : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX  XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong info about how they're reported, the amount, and the dates.
Product: Mortgage

XXXX XXXX XXXX XXXX made a XXXX payment which has not been applied to my account. I called loss mitigation and informed them that XXXX XXXX XXXX XXXX made a payment in XXXX. After doing some research I received an outbound phone call by a women in loss mitigation and I was informed that guaranteed rate received the payment. XXXX XXXX XXXX XXXX also reports that no one at guaranteed rate is confirming or denying that they have received the payment so they could not reissue it. Guaranteed rate is still reporting it as missing when it should not be. I have also attached the receipt of the payment
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine not my loan XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6500.00} Balance updated XX/XX/XXXX not my cc XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX was never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

XXXX XXXX XXXXL Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my phone numbers XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I visited my Truist branch on XXXX and closed out my checking account. About a week later I received a letter that the closed account had a balance of {$36.00}. 

This is the first problem which should not have occurred. Truist should have alerted me that the account would be in the red after I closed it. However, I decided not to pursue this problem and had someone drop off a check for the {$36.00} at the same branch to settle everything. This check was cashed on XXXX. 

About 2 months later I received a letter from Truist XXXXecovery Department which claims that I owe {$56.00} on my closed account. 

This is the second problem, and I find it even more upsetting than the first. There had been no communication from Truist informing me of another balance. The XXXX letter does not provide an explanation for this so-called charge-off account fee. 

I have sent an email to my Truist branch but have received no response. I have also called the Truist Recovery Department twice. Although this line says I would receive a call-back within XXXX hours, I have heard nothing.