23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have 3 student loans with XXXX and I have paid off two loans before the deferment period. I paid off by calling them in person and asked for the latest balance and paid the balance on the same day I called to ask the balance. After I have paid off the two loans, I received the letters from XXXX that my loans are paid in full. I check my online account nearly every week and the two loans I paid off disappeared from my loan list. So I was sure that I have paid them off and I am in the clear. Months later, I saw that there were some balances on the two loans that I paid off suddenly. When I called and ask XXXX, customer service can not give me the answer and just told me to wait for unknown amount of time and they may send a letter in the mail after they ask some other department. I asked to transfer me to this department to get the answer and they said they can not do that. 

If a student can not even trust that her loans that she thought were paid off were not paid off and accumulating interest without her knowledge. Then why XXXX sent me letters that I have paid off my loans? This is very irresponsible system and should be fixed. If I can not trust this, now if I paid off what is left again, how can I be sure that I wo n't see any surprise balances two or ten years later? And worse, if I do not check my account because I was under the impression that I have paid off my loans. 

Below, I attached proofs of my last 4 statements : from XX/XX/XXXX-XX/XX/XXXX, where two loans I had paid off not even show up on the list and suddenly in XX/XX/XXXX, it showed up. How can I as a student trust this institution?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX  for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
Product: Debt collection

This company, called Credit Collection Service s of  XXXX , MA is a debt collection company that continues to attempt collecting on debts I do not owe. It appears they are assigning me debts when they can not find the correct person, as they range from ambulance   rides ( paid   years ago by the insurance company ) and auto insurance that I either did n't have or prepaid in full for the term.     I called to ascertain the number of accounts in my name and for what they are for, including details, and I was denied any information. This is further evidence that the debts are not valid as they declined to give any information or details to me, the person they are attempting to collect from.     Please assist with this matter as I have made no headway.
Product: Prepaid card

My roommate of years was activateing my cards using them without my consent, I have sent in over 100 pages of documents stating the fraud did to me not only with this account but over 20 others. I've been asking for proof it was me and bank of America has not sent me one document from any merchant stating that it was me using my funds I did not give my roommate consent to use my credit or cards at any time, she new I have a kid with XXXX and I was saving for a car to get him to his much appointments. Please help me with this situation
Product: Payday loan, title loan, or personal loan

I sent a payment by certified mail to pay my account in full. The payment was received by their office XX/XX/26. They have not applied my payment and are drawing out the payoff process making my bill overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX XXXX to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX XXXX XXXX XXXX XXXX never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX  years too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by XXXX. It has costed me in loan denials, paying exorbitant interest rates, credit line denials or small limits, business loan and credit denials, additional inquiries searching for a flexible lender, and has unnecessarily affected my life negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agent I talked to XXXX at XXXX today XX/XX/19 told me he couldnt gaurantee they wont cancel report sent to the reporting agancy called MIB. I also verified email requesting coverage was sent 7 days ago on my email it says delivered. MIB Its a medical information agency that makes a file on me for other insurers. The agent I worked with continued application for life insurance against my will. I asked to cancel the request before a decision rendered due to inacurracies on my medical file. I dont want my information reported by XXXX, or by XXXX  to MIB or other reporting agencies and hes not insured to work in XXXX. My personal information was requested to my doctors office against my wishes and now I have a file with MIB. They reported information about me using with spouse XXXX address. Also note the pre qoute application didnt have what I told to agent. He qouted me the non XXXX rate, and XXXX XXXX rate i believe. I told my agent everything and I know although the medication causing XXXXc problems is now gone since I went off the drug I have a black mark on my record. I doubled checked the email and it was sent to there office. The email is marked as delivered 7 days prior to the denial for coverage. He misrepresented the cost to me and put me in a position to be denied aswell. I should of had this file closed per my request. Not have them continue
Product: Credit reporting or other personal consumer reports

I XXXX XXXX went to my bank to apply for a home loan in which I was denied. I was informed by my banker that the reason for my denial was due to a delinquent auto loan that was no my credit score. This came as a shock to me since I have only financed XXXX car in my life and I am currently still driving and paying on this vehicle. I was also informed that the delinquent auto loan account was held by XXXX XXXX, which alerted even more red flags as I have never done business with XXXX XXXX  in my life. It was clear to me that I was now a victim of identity theft and someone had obviously taken my information and applied for a auto loan in my name. I have filed identity theft reports with my local police department case number ( XXXX ) and with the FTC, reference number ( XXXX ). Under the FCRA it is the responsiblity of all credit reporting agencies to ensure the accuracy and completeness of all accounts and information that they XXXX. Upon pulling my credit report I have seen numerous inaccurate accounts, addresses and personal information on my credit report. I would like XXXX, XXXX and Transunion to help in correcting this already nightmare of an experience and please remove the inaccurate information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes with XXXX XXXX and transunion and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle 700 's not low 500 never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do
Product: Mortgage

Our mortgage was purchased by Mr Cooper Mortgage this year and we had a fire in our home XX/XX/2019. Our Insurance company XXXX issued a check to both Mr. Cooper and XXXX XXXX in the amount of {$13000.00} for the repairs. 
XXXX XXXX endorsed the check and mailed it to Mr. Cooper in XXXX Texas as instructed, however Mr Cooper Mortgage will not release the funds in order for XXXX XXXX 's home to be repaired. 
The mortgage is current, his insurance has canceled him due to he second claim this year, if he can't use the funds paid by his insurance to make the necessary repairs the house will become uninsurable. 

Please help us get our insurance funds back from Mr. Cooper Mortgage so we can repair our home. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description of what happened : On XX/XX/XXXX, I discovered multiple unauthorized inquiries on my credit report from various companies. These inquiries were not authorized by me, and they are negatively impacting my credit score and overall financial standing. On XX/XX/XXXX, I contacted the credit bureau to dispute these inquiries and formally requested their removal. However, I did not receive any response or resolution. I followed up with additional emails on XX/XX/XXXX, but I still have not been provided with any updates or assistance. 

These unauthorized inquiries need to be addressed promptly to prevent further harm to my creditworthiness. 

Details of the unauthorized inquiries : XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX- Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - XXXX on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX  - Reported on : XX/XX/XXXX Dates and actions taken : Date of discovery : XX/XX/XXXX Date of initial contact with the credit bureau : XX/XX/XXXX Follow-up action : Sent emails on XX/XX/XXXX Amounts involved : There are no direct financial amounts associated with these inquiries. However, they are negatively affecting my credit score and financial standing, which could impact my ability to obtain credit or favorable terms in the future. 

I kindly request an immediate investigation and the removal of these unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my XXXX XXXX XXXX Balance : {$1400.00}. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue previously. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXXode Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt on the month of XX/XX/2023. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically, the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Texas ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regard
Product: Checking or savings account

On XX/XX/2021, I received a notice via XXXX dark web monitoring that my checking account ending in XXXX had been exposed on the dark web. I called Bank of America and requested the account to immediately be frozen and the freeze was placed on XX/XX/2021. Bank of America 's Fraud Department advised me that ALL debits would be declined for this account effective XX/XX/XXXX. I had valid ACH payments already sent by billers sent to this account. Some of them were approved but then returned. I have since made those payments to my billers. My payroll deposit was transferred to this account on XX/XX/2021 from XXXX XXXX for {$300.00}. I also had an ACH debit from XXXX XXXX for {$15.00} come in on XX/XX/2021. I also had a deposit of {$98.00} via XXXX credit to this account. I have spent 6-9 hours on the phone missing time from work trying to get access to MY money transferred to the new account that the Fraud department established for me. I was transferred across multiple segments and never got the help I needed. I finally came in to the XXXX XXXX located at XXXX XXXX XXXX in XXXX TN XXXX to attempt to get this resolved. The XXXX XXXX employees advised me my account was overdrawn, there was nothing to transfer. I explained what process I had gone through and they advised I needed to call customer service. This is absolutely unacceptable. The BXXXX XXXX should not advertise itself as a " Full Service Center for Bank of America clients and products we offer '' if they in fact can not do anything but make excuses and refer me to somewhere else. I have had valid transactions bounce out of this account, remade them using a different bank. I asked that ALL of my accounts and my entire relationship be closed and was advised they are unable to do so and offered no help. I am filing this complaint while in the branch. The agents at the XXXX XXXX now are on hold and can not even access the support team.
Product: Student loan

Navient harrasses me and my mom everyday with phone calls about late payments. Also, recieve non stop mail about garnishing wages if I do not submit a payment. Thing is, my student loan is through XXXX, not Navient, and when I log in to my federal student loan account ( which I have attached images showing I owe Navient {$0.00} ) and my XXXX repayments have been on hold for quite a while. Repayment doesn't even start back up until XXXX. This company has ruined my credit, so much so that I can't even purchase a vehicle.
Product: Mortgage

I lost my job on XXXX/XXXX/16. On XXXX/XXXX/16 I submitted an application with mountain of documents via email to the loss mitigation department. Since, I 've repeatedly received requests to email the same documents. Each time I email them, I call to confirm receipt and I 'm told they have XXXX days to review the documents. After the XXXX days elapse I get another email stating they need the same documentation. I sent an email asking for my representative to phone me and she has not. Today I also sent an email with a link to a dropbox folder than contains all of the documentation they 've requested. No response. I started the process in XX/XX/XXXX knowing that it would take some time. I knew that I would not be able to make my XX/XX/XXXX payment. At this rate, I will not get the deferral approved before my payment is due which could affect credit reporting.
Product: Credit reporting or other personal consumer reports

As a collection agency, you are not legally authorized to report month-by-month payment history. Such reporting is reserved for the original creditor, and attempting to reflect payment activity on a collection account is misleading and deceptive. A collection account should only show the current status, such as " In Collections, '' " Closed, '' " Paid in Full, '' or " Settled. '' Reporting false or misleading information, such as a payment history on a collection account, violates 15 USC 1681e ( b ), which requires that all information reported must be 100 % accurate. In addition to this violation, the balance of {$770.00} that is being reported on this account is not the same balance that the original creditor provided to me. This improper reporting creates confusion and misrepresents my credit profile. Therefore, I am demanding that you remove account XXXX from my credit report. I have attached the account to show the erroneous reporting.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists.

In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a Family Member {$700.00} though my PayPal account using my XXXX Send Account. My family member did not receive the money, so I contacted PayPal within a few days and all they said was that the money was sent to my XXXX members account and the reversed right away. No money was credited back to my XXXX Send Account or my XXXX XXXX account and after numerous calls to PayPal and promises that a supervisor will call me back or they will be emailing me verification that the money was reversed I still have not received any call or Verification Document that the money was reversed or have not received the money back. I spoke to XXXX XXXX numerous times, and they sent a Letter that there was not issue with the transaction on their side. I am at my wits end and not getting any assistance from PayPal.
Product: Credit reporting

I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax
Product: Checking or savings account

I opened a Huntington account online several years ago. They want me to visit a branch to close it. I am physically unable to do so. I dont know why they cant close it over the phone. Instead, they freeze my account that holds several thousand dollars in Social Security payments. I didnt even think that was legal. So, as I said Ive been fighting with them for several years and they still wont close it. Ive sent them several letters over the years too and they never seem to receive them.