23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. XXXX you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$27000.00} and XXXX is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXXXXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too
Product: Vehicle loan or lease

I never got the title but I paid for the vehicle. If you are a XXXX military veteran who is considering financing through GM Financial in the state of Texas - avoid at all cost! 

After paying off the vehicle loan in XXXX of 2024. GM Financial never sent a paper vehicle title to me. First they claimed it was mailed. Next they claimed it was mailed tonthe wrong address. Next they claimed it was never mailed because it's only electronic in Texas. Next they claimed it can only be received by paying for a lein release letter and requesting at the DMV in Texas.
Product: Credit reporting or other personal consumer reports

I am writing this request to SBNASELFLNDR that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Debt collection

I received a call from the company for a balance owed and spoke with them on Saturday XXXX regarding the debt and received calls again on XXXX at XXXXXXXX XXXX which i did not answer and XXXXXXXX XXXX that I responded to. No XXXX XXXX, when aaked if he saw the notes on the account and the representative told me no, spoke very condescending as of I was lying and then once I asked for a supervisor kept asking why.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 names that are wrong and 1 address that is wrong and 2 employers listed that are wrong. Also 4 unauthorized inquiries that need to be deleted. Also there is a medical collection that is on my account that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Mortgage

On XXXX, I requested a loan payoff from Seterus Inc, through their website, which states it will go in my secure inbox within 3 days. They have now taken the three days comment down due to my complaints, so I guess we get it, when we get it now. Anyway, I talked to XXXX on Thursday because it was not there. XXXX informed me that was a mistake and it takes 7-10 business days. She was rude as well, so I complained to the FDIC and called back because think about this, how much money does Seterus make by putting off giving those payoffs in a timely manner based on people 's daily rates? Mutliply all the other customers they do that to. They told my lender they get XXXX requestsa month. That is a lot of sonsuer money. I got XXXX the next time, who lied and said I did n't request the buyout until Monday the XXXX, but she would see that I should get it by Friday morning. I still had nothing, so I spoke with XXXX who saw my original request and she would see if she could expedite it at another 1-3 business days. I got the request later that afternoon. Here it is- XXXX , XXXX XXXX PAYOFF STATEMENT IS SUBJECT TO FINAL VERIFICATIONNext Due Date of Payment : Interest Rate : Current Principal Balance : Unpaid Interest to XXXX XXXX, 2015 : Escrow Overdraft : Interest Arrearage : Escrow Arrearage : XXXX XXXX, 20153.99000 % {$320000.00} ( Future XXXX bill for taxes ) XXXX Open Charges Through XXXX XXXX, 2015 : LATE CHARGES : XXXX Additional Charges Through XXXX XXXX, 2015 : Homeowners Insurance : XXXX ( Homewoners Insurance due in XXXX ) Prepayment Charge : XXXX Suspense : XXXX Expense Credit : XXXX Amount Secured by the Mortgage or Deed of Trust : $ XXXX Cost to Release Documents : XXXX Estimated Payoff amount due as of XXXX XXXX, 2015 $ XXXX payoff statement expires on XXXX XXXX, 2015. 
If you have any questions, please contact us at our toll-free number below. 
Sincerely, Seterus , Inc . 
XXXX notice all the extras like my tax bill, which is n't due until XXXX and my insurance, which is n't due until XXXX. You also include the daily interest and the late payment, which would n't be late if I had gotten the payoff. Now bear with me, I had torequest it again. Are they going to do the same thing where I can never leave them due to poor payoffs? What underwriter can use this? Plus, it appears that if they try to inflate my buyout, it will make it harder to refinance through the XXXX XXXX is a XXXX veteran. Both of us are on the loan. If I am having to leave XXXX in escrow with XXXX bank and paying XXXX for the same for future escrow, that is XXXX in escrow during the transaction for the refinance.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )
Product: Student loan

EXTREMELY TIME URGENT Dear Firstmark XXXX XXXX : On XX/XX/XXXX, I requested an urgent call from Firstmark Services XXXX XXXX, as after many month of waiting Firstmark Services finally Backdated a requested Natural Disaster forbearance from XXXX XXXX XXXX XXXX. However, during these XXXX XXXX  I was making full payments on these loans, rendering me still due for the XXXX XXXX  of relief during this time. 

To note, during the months of XXXX - XX/XX/XXXX, I was making the full monthly installments on all loans even though my forbearance was back dated to cover these months for the Natural Disaster XXXX declared XX/XX/XXXX. Regrettably I am still now ( XX/XX/XXXX ) showing past due for XXXX or more loans, and I am therefore still owed the XXXX months relief for said dates or a refund for payment made during a time which said loans were supposed to be in the natural Disaster forbearance ( XXXX - XX/XX/XXXX ). Kindly contact me urgently to ensure that I am bestowed the XXXX months of relief for the aforementioned months of XXXX - XX/XX/XXXX ( due to said payments made during supposed forbearance time ). 

Further and more distressingly, on XX/XX/XXXX, Firstmark Services approved a XXXX XXXX forbearance as requested, only yet again reneging on said approval on XX/XX/XXXX grossly unacceptable and causing my account to go past due, after their approval posted to my account on XX/XX/XXXX. 

This matter is egregiously unacceptable, and Firstmark continues to harass, accost and neglect my requests for senior management contact and the placement of this forbearance meriting urgent and immediate escalation at this time. Please be advised that should this matter continue without resolution, I shall engage XXXX XXXX XXXX I-Team Investigative Reporter XXXX XXXX XXXX XXXX XXXX in this egregious matter 's resolution in addition to further complaint with Consumer Financial Protection Bureau , FTC & any and all regulating bodies to aid in this egregious matter 's full and final resolution.

Thank you for your immediate escalation of this urgent matter. 

Best, XXXX XXXX XXXX M.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reading information on my report and when equifax tried to verify me they say the information I am providing is incorrect. This is just their way of stalling a dispute
Product: Debt collection

The alleged debt that Midland is trying to collect upon is not mine and was never opened by me. There is no original credit line that this stems from on my credit report as it was removed for being fraudulent and the original creditor ( XXXX ) was unable to verify it 's legitimacy. I have tried time and time again to try and have this collection account removed from my credit report to no success except for on XXXX where it was removed for being fraudulent and not being able to verify it 's legitimacy. Since it has been removed from XXXX it should be removed from XXXX as well as XXXX. They continue to harass me and now they are trying to take me to court over this alleged debt. This is causing me undue stress and I need it resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. In that complaint I alleged Equifax was persisting false/misleading information that harmed me as a consumer. In particular I alleged that I have experienced housing insecurity and housing discrimination because of the information contained in my credit file that was used by a tenant screening company. Equifax responded on or around XXXX XX/XX/XXXX alleging they reviwed all documents I supplied. This would mean they reviewed the documents from the creditor showing a misapplication of payment and irregular processing of a forbearance in late XXXX early XXXX that led to payment status narrative claiming the account is/was " Not more than four payments past due. XXXX XXXX XXXX XXXX XXXX makes it quite clear : " Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements are suppressed while the loan account payments have been deferred. '' Thus, if the loan exited a deferment period in XX/XX/XXXX, the loan would not be sixty ( 60 ) days past-due beginning XX/XX/XXXX for a payment that was initially due in XX/XX/XXXX. The credit grantor 's assertion the first payment was due on or around XXXX XX/XX/XXXX is also moot because they acknowledge not providing billing statements ( statements suppressed ) for XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, a failure to provide periodic statements is both a violation of TILA/Regulation Z and the MPN ( see XXXX XXXX XXXX XXXX XXXX Finally, the account can not be reported by XXXX for XX/XX/XXXX because the account was transferred to another servicer/lender before the alleged due-date for XX/XX/XXXX. The alleged delinquencies for XX/XX/XXXX and XX/XX/XXXX are because of XXXX failure to properly process a forbearance and/or deferment that led periods of such to be counted as late payments. This is evident in a payment history that shows the XX/XX/XXXX payment as being paid on-time, and magically being sixty ( 60 ) days past-due in XX/XX/XXXX. Equifax own statements implies not only did they review the documents I supplied from the credit grantor, but that they additionally reviewed all the documentation I supplied from the tenant screening company. That documentation identifies Equifax as the source of information used in the screening process and creates a causal link between the false/misleading information reported by Equifax and the damage it has caused me as a consumer and potential tenant. Despite having the documentation, Equifax concluded the account/tradeline is " being reported correctly '' because the data furnisher 's systems reported the same information when Equifax used eOSCAR to " update '' the information for the account/tradeline. Quering a system that is the source of the incorrect information does not constitute a reasonable investigation under 15 U.S. Code 1681i. Despite claiming non-monetary relief a credit pull on XXXX XX/XX/XXXX shows zero ( 0 ) changes and the false/inaccurate/misleading information persists in my credit file ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This was back in XXXX with Sallie Mae. My XXXX  were my cosigners on my loan and entered into XXXX, but I was not in XXXX. I had just graduated college, and got my first job using my degree. I went online to try and set up making payments to my loans from Sallie Mae, and saw that I could not log into my account even though I had received an email from Sallie Mae stating that I needed to do just that. 

Confused, I called them up, and learned that my loan was put into forbearance, without my consent, because my cosigner declared XXXX. Because my loan was in forbearance, I could not, and would not be allowed, to go online and set up automatic payments to my loan. 

I had to request my account information from Sallie Mae, settle on an amount I thought was reasonable to start paying back, and determine the split to each of my XXXX loans, all by myself without knowing what was the minimum payment or when any of the variable interest rates would change. I only did this near the end of my time with Sallie Mae, before I eventually refinanced the loans so I could actually see the payments and have a better understanding of what was going on. 

To the best of my knowledge, I have records of paying them {$2200.00} ins XXXX and then {$6000.00} ins XXXX. If I were able to access my account I would have definitely paid Sallie Mae more and on a consistent schedule. I have uploaded confirmation emails from Sallie Mae as well as transaction warnings from my bank of the payments I made to Sallie Mae that I did not get any receipts for. 

To be quite frank, it was not just disheartening having to call in every month, but humiliating too, which is why I missed payments. I would have to wait upwards of XXXX minutes to speak to a representative to have them tell me that my account was in forbearance because my XXXX  were in XXXX. Then having to say that I acknowledge that, and that I am still willing to pay. All the while I was going through some additional hellish abuse at my XXXX  that I would later need hospitalization at a mental health facility. There was no reasonable way that I could keep track of these payments through all of that. 

To prove the hospitalization and the XXXX XXXX, I attached the form that my sort term XXXX insurance provider, XXXX XXXX, requested be filled out by my XXXX  at the hospital. If you require more proof of the situation, or a description of the household at the time, please let me know and I can elaborate. I was dealing with extreme sleep deprivation, along with an abusive sibling and father.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Back in XXXX I had to get a new business account due to fraud alerts. That business account was the account I used to pay my cards with. I had auto payments set up to pay my cards but since I had to open a completely new account that changed everything. 

When I was with the banker he said that everything would go back to normal and I didn't have access to my account for 2-3 days. To keep the story short, I was never notified about the late payment or that I even had a late payment due.

The other story was with XXXX with a car loan. I called in and declared them to send me the payoff of the vehicle. I sent them the amount that they told me over the phone and apparently it wasn't enough to cover everything. I was short {$110.00} on a {$270000.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference ( Copy of Email Communication to date ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX : Requested to have account closed since credit line was denied and no business transaction was going to be enacted. 
XX/XX/XXXX, Their response in brief : " ... we regret to inform you that XXXX can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. '' The rest of the email response is referenced above. 

No exchange of funds transpired, but personal information may be at risk of being sold, abused, or misused. They chose to not do business with me, and I chose to not do business with them, therefore requesting to have my account closed.
Product: Money transfer, virtual currency, or money service

This complaint is actually associated with my other complaint against XXXX. My XXXX  account and Cashapp account were connected. Unauthorized transactions were made via Cashapp using funds from my XXXX account. I have made three disputes and all have been rejected. When asked to provide documents of their investigation, all I am provided with is a graph of dates and times these transactions were made. Another reason they gave me is that they said I authorized or gave someone else authorization to make these transactions which is completely false. If I did one of these things then why would I dispute these transactions? I just believe this unfair and I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My loan was modified permanently on XX/XX/XXXX, after I made 3 consecutive trial payments.

Im filing a complaint against Ocwen for Misreporting and negatively impacting my 3 major credit bureau records. On XX/XX/XXXX, we were told by Ocwen agent XXXX  ID # XXXX, that the account had started to report current as of XX/XX/XXXX. However after printing a portion of my credit report which best reflects Ocwens reports, clearly show that the account is and has been reporting as over 190 days + late since XX/XX/XXXX.

We are seeking for this matter to be immediately researched and for corrections to be sent to all 3 major credit reporting bureaus : XXXX : XXXX XXXX XXXX XXXX, GA XXXX   XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX PA XXXX Regards, XXXX XXXX
Product: Debt collection

I would like to dispute the debt that XXXX XXXX XXXX XXXX XXXX has on my credit report. From what I remember I went to the XXXX  XXXX, filled out the information for XXXX sat in the waiting room for XXXX hours and I overheard that they would probably not have time to get to everyone. After hearing that I left the hospital and to my surprise I receive a bill for services that I never received. They did absolutely nothing for me except allow me to wait in their waiting room and suffer. I wound up going to a walk-in clinic the next day and they helped me there.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024, I sent money through Western Union at XXXX XXXX XXXX. Come XX/XX/XXXX, I received a text stating that I need to get the refund because the transaction didn't push thru because of wrong bank information. 

I went to get my refund on XX/XX/XXXX, but was frustrated because after XXXX attempts the tellers/agents couldn't process my refund. Went back again on the XXXX of XXXX but still same issue arises. After the transaction it will be locked. called customer service, found out that my refund was tagged as refunded and that it has been refunded on the XXXX which apparently was a surprise for me cause I only went to get the refund on the XXXX and the XXXX. 

A case was created for me on the XXXX. Until now it was not yet resolved and it is making my life miserable because of the stress it gave me.
Product: Checking or savings account

Company violated my rights by law. By reporting an owed amount from my bank account as a credit issue then sold it to an outsource company called XXXX XXXX now its uses as a derogatory mark on my credit, which is illegal
Product: Credit reporting or other personal consumer reports

This morning, I checked my credit report as usual, only to find an unauthorized inquiry that shouldnt be there. I have no idea why these inaccuracies appeared, as they were never an issue before. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries did not disappear. Given this problem, I ask that my submitted documents be reviewed carefully so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account is has been dispute multiple times with both attorney general and Equifax. The balance has been incorrect and also should only be one account not two accounts. They have failed to verify the account information and also when speak with the attorney general they have fail provide an letter stating that I have only one account instead of two.
Product: Checking or savings account

Used to have account with Wells Fargo before it was closed! While had both checking and savings was charged several fees nsf and overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letter for them to find out the original documents with my signature on it they never respond to me correctly the answer was from them everything was verified, and it will stay on your credit report