23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela has not recalculated my XXXX XXXX XXXX in a timely manner per my request. They also have not added a loan, # XXXX, to my XXXXXXXX XXXX XXXX, instead opting to have it in a standard repayment plan, causing the balance to be overdue. Loan # XXXX should also have accrued interest removed because I rejected in in-school status ( opting to immediately enter repayment, XXXX ), though Mohela didn't process the request until around a month later, causing excess interest to accrue in error. I've made many attempts to rectify all of these attempts with Mohela.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, XXXX, TransUnion and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
Product: Debt collection

On XX/XX/2021, this account was sent to a collection agency for the amount of {$93.00}. This is not my debt. I wasn't aware of this debt until after I decided to see a new Dr .
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency.

The incorrect details are as follows:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial wellXXXXbeing. I believe it is crucial to rectify these errors promptly.
I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my
claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to: Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act (FCRA), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX CONTINUE TO REORT INACCURATE AND INCOMPLETE INFORM, ATION ON MY CREDIT REPORT. I recently requested a investigation and a reinvestigation into an account that is reporting. I have no knowledge of this account TFC CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX that is reporting. 
I'm seeking proof of the alleged debt under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Mortgage

I live in NY and submitted my original complaint to NYS Department of Financial Services. My problem is with Wells Fargo Home Mortgage, regulated by you. In XXXX we got an unemployment forbearance. I called in XXXX because we were back to work, and wanted to resume payments under a modification. From that time on I have had XXXX " specialists '' who have requested their own laundry lists. In some cases I had XXXX different specialists in one week. I always submitted the required paperwork, promptly. I was originally told that I had 6 months for the forbearance. Today is the end of that time. Ihave complained everywhere, and have been assigned to XXXX XXXX in the President 's Office. I have sent her a packet as requested, and asked for confirmation of hat happens next. I know it arrived on XXXX/XXXX/15, followed up with emails, and am getting no response. Basically, Wells Fargo is totally unresponsive. My loan is a XXXX XXXX, but the package is never getting submitted to them since Wells Fargo is not doing their job. 
I am totally disgusted with the lack of response, and very concerned about the status of my mortgage and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filed multiple disputes for the texas Dow account on my Equifax and XXXX I showed identity theft report Ive showed police report they have went against fcra law that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND SUR THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this
Product: Debt collection

For the past 12 years I have been contacted by various debt collectors. The most recent one, Persolve LLC, has called me 5 times during the past two days and left a message on my answering machine. I never owed a debt in my life. ( I have paid all credit cards, bills and mortgages before the due dates for the past 40 years -- never had a late payment in my life. ) I think someone put my telephone number ( but no other information identifying me ) on some kind of an application. That person 's debt has been sold over and over to various debt collectors, all of whom start calling my telephone number continuously for a few months. I have written letters to previous collectors saying this is not my debt and I do n't know who they are looking for but they just then sell my telephone number to another debt collector. I want a way for my telephone number to not be sold over and over to debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report XXXX  XXXX XXXX reported us being 30 day late, which is affecting us from refinancing our home. I've called XXXX XXXX XXXX numerous times, I spoke to XXXX on XX/XX/XXXX and  she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXXand spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX,  asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and XXXX XXXX XXXX saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, Experian, XXXX and XXXX.
Product: Checking or savings account

I was defrauded of {$230.00} through a sophisticated e-commerce scam on XXXX XXXX XXXX The scam involved : XXXX. A professional-looking website with order system ( Order XXXX XXXX  ) XXXX. Initial payment of {$230.00} redirected to a XXXX account XXXX. Immediate follow-up demand for {$100.00} refundable insurance fee XXXX. Multiple attempts to solicit additional payments Chase denied my fraud claim without reviewing my evidence that proves this was not a willing peer-to-peer payment : Professional order confirmation emails Customer service chat transcripts Formal order numbers and payment instructions Evidence of repeated attempts to extract additional payments The banks premature dismissal of my claim ignored clear evidence that I was deceived into believing this was a legitimate business transaction, not a personal transfer. I request investigation into Chases handling of this fraud claim and their failure to properly review submitted evidence before denial.
Product: Student loan

On XX/XX/2018 I was approved for deferment of financial hardship. However on my credit report it still states that I am late.
Product: Credit reporting

Equifax credit reporting agency is providing incorrect information on my credit report pertaining to the State of Alabama XXXX payments, that has been going on since XXXX. The information is not correct due to the fact that I have been XXXX since XXXX of XXXX and my child had been receiving payments from the Social Security Department since XXXX of XXXX. I feel that this is an unfair practice of the credit reporting agency and the information has caused great damage to my credit rating giving me the outlook of a XXXX father. This information is currently being displayed on my credit report and I am asking that it cease from further reporting ASAP. Thank You.
Product: Debt collection

The company purports to be United Collection XXXX , Inc. They said that they were holding {$3500.00} of medical debt from a hospital stay in XX/XX/XXXX. When I spoke to someone on the phone today to attempt to resolve this debt, it was clear that they were at a call center in XXXX. He then told me that I have additional debt in the amounts of {$40.00}, {$230.00}, {$100.00}, {$40.00}, {$80.00}, and {$40.00} in addition to the {$3500.00}. I informed him that I would like to start making payments beginning today, XX/XX/XXXX, in the amount of {$1500.00}. He said that if I paid by a card then the fee would be in excess of {$50.00}, but using my bank routing and account number would be free. I told him that I was uncomfortable with that so he gave me a website to visit in order to make the payments instead. The website is ucbinc.com. They ask for your social security number and birthdate to sign in. I signed in, updated my current address and attempted to pay my first installment of {$1500.00} by using the pay by check option ( where you of course have to enter your bank routing number and account number ). A few hours later I checked my bank account and the transaction was never processed. I went back to the website and my payment isn't showing up at all. They just wanted my information? How are we supposed to protect ourselves when no one else does???? This is a sophisticated scam operation if I have ever seen one! I am terrified. They have all of my information and they aren't even in this country. What can I even do to protect myself at this point?
Product: Credit reporting or other personal consumer reports

I was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Not sure about this debt at all. I do not owe this company.
Product: Credit reporting or other personal consumer reports

I want to remove any inaccurate information 15 USC 1681 SEC 611 :
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ACCOUNTS PERMANENTLY LISTED BELOW : 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXX opened on XXXX XXXX XXXX I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Product: Credit reporting or other personal consumer reports

The issue is with the account I have with XXXXXXXX XXXX XXXX for credit card ending in XXXX that I have paid XXXX XXXX XXXX the {$47.00} balance in full since XX/XX/2023 as pictured in my attachments showing both a payment conformation email from XXXX XXXX XXXX  XXXX and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXX XXXX XXXX wrongfully and repeatedly reports that there is a due balance of {$47.00} still due. I have disputed this with the credit reporting bureaus several times and this unjust behavior of XXXX XXXX XXXX  still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/ 2023. As result, one of my credit scores droppped XXXX points due this willfully erroneous reporting from XXXXXXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
Product: Debt collection

I noticed a collection on my credit account from collection agency AD Astra Recovery Services Inc. for a {$310.00} loan from Speedy Cash. I contacted the collection agency via telephone to complete a dispute. I was informed that a written dispute was the only form of dispute they accept. I sent the agency a Validation of Debt letter on XX/XX/XXXX requesting a number of documents to validate this alleged debt. They responded back to my Validation of Debt letter missing all of the requested documents. I contacted the agency within 30 days of receiving response. I spoke with a representative in regards to missing requested documents, she informed me that they do not have the requested documents and that I would need to contact original creditor. I informed them that being that they are the agency that is reporting this alleged debt to the credit bureaus, they should be able to send the requested documents. However, being that they did not respond with requested documents within 30 days, they were therefore were unable to validate the debt and I am requesting for the account to be deleted. I was then transferred to supervisor XXXX ID # XXXX, who informed me that they sent over what they had and the account will not be deleted. I informed him that what they sent was not what I requested, and the name that they had on file was not even my name. He just repeated several times that the account will not be deleted. 
I requested the following documents : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgements obtained by and creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor. 
Alleged account number. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

They responded to my requests with a letter that has an inaccurate spelling of my name as well as just a receipt from Speedy Cash. They did not send any other supporting documents to validate the alleged debt they are reporting to the credit bureaus. I informed AD Astra Recovery Solutions, both written and verbally, that if the alleged debt is not validated with the requested documents within 30 days the account needs to be deleted. AD Astra Recovery Services Inc. did NOT validate alleged debt within 30 days. They also refused to delete the account.
Product: Mortgage

on XX/XX/XXXX, I have refinanced my mortgage with Loandepot. I have made all my payments using online payments option. my account is current and i have my statments. on XX/XX/XXXX loandepot decided to move my loan to the new jersey office and assigned a new account number. it also reversed all my payments which showed my account as being late for 2 months which is untrue. I have gotten letters dated XX/XX/XXXX, XX/XX/XXXX threatening foreclosure This is FRAUD. I have PAID, I have loandepot own statments that shows my account is current. I have my bank statements that shows the amounts being taken out. i have called many times but of course nothing is getting done, no one can give me a reason as to why this happened. now i have to deal with this and the fact that this FRAUD will be reported on my credit. There need to be accountability. A mortgage company can not be allowed to foreclose on your house eventhough you have made all your payments. please note that the threat letter has the new account number which was started as of XXXX while the two payments in questions were under the old account number which i have supplied statements for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted One Main Financial on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let One Main Financial know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Trans union have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.