23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following charge-off accounts that are inaccurately reported on my Transunion credit report. I believe these accounts have been inaccurately reported, and I am requesting their removal. 

Accounts in Question : XXXX XXXXXXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX. : XXXX These accounts have been reported as charge-offs on my TransUnion credit report. However, I believe this reporting is inaccurate and/or outdated. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I am entitled to accurate and complete information on my credit report. The accounts listed above contain erroneous information that is adversely affecting my credit score.

Inaccurate Reporting : I have noticed discrepancies in the reporting dates and amounts that do not match my records.

Failure to Verify Debt : The creditors have not provided sufficient evidence to verify the accuracy of these debts, which is required under the FCRA.

Consumer Rights Violations : I believe my rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] have been violated. Specifically, I am concerned that the reporting agencies and creditors have not taken reasonable steps to ensure the accuracy of the information they report. 

I have attached relevant documentation, including my TransUnion credit report and any correspondence I have had with the creditors regarding these accounts. 

I trust that the CFPB will take this matter seriously and assist in rectifying these issues. Inaccurate information on my credit report is causing me significant financial harm, and I am eager to resolve this matter as quickly as possible.
Product: Mortgage

Ocwen will not generate a payoff. We have sold our home and unable to close because Ocwen refuses to provide payoff letter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Despite NUMEROUS calls, emails, complaints to FSA, and a previous complaint to CFPB, MOHELA continues to put my student loan into forbearance without my authorization. I am really tired of telling them that I NEVER want a forbearance placed on my account and they DO NOT EVER have my permission to do so. Placing a forbearance on my account negatively affects my payment counts towards my PSLF as MOHELA argues with me that the months I've had a forbearance don't count towards PSLF even though they are the ones who randomly have decided to place me in forbearance. This time I have sent 2 emails that have gone ignored. I called customer service and expressed my concerns and she did not remove my forbearance despite me telling her to. She said she was going to transfer me to a supervisor and instead sent me to a voicemail. When someone tried to call me back, I missed the call and they didn't leave a voicemail. I'm tired of MOHELA fraudulently making changes to my account!
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my XXXX consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. These inquires are fraudulent and I need them removed from my report. 

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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have received notification from my home owners insurance company that my policy was going to expire due to non-payment, yet my mortgage loan is escrowed. In order to prevent the cancelation I paid the home owners policy myself. I have been attempting to contact my mortgage servic er ( Wells Fargo ) however they do not pick up any of their phone line when going to the insurance prompts, or general servicing. Most recently I called the line stated that they are experiencing a high number of calls and to call back later then disconnected me. I as the consumer should not be responsible for correcting my mortgage companies error, and even when I do correct it, I ca n't contact them to discuss to prevent from happening again. Not sure what the service company is doing other than simply taking my payments. Need help to get into contact with Wells Fargo since multiple  attempts at multiple lines have failed to get anyone on the phone.   Thank you.
Product: Debt collection

The company name is XXXX XXXX XXXX. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.
Product: Credit card

I had a Walmart rewards credit card and used it for about 6 months till I got XXXX. Back in XXXX up until XX/XX/XXXX ( now ), and when I got released I went to try and access my capital one account and since I'd been in XXXX and XXXX  so long I lost my phone my number my emails ... Everything for security verification for accounts I had were all lost. I called Capital One and entered my card and it redirected me to collections agent. They said I owe over {$900.00}! I had, had just about {$100.00} owed balance when I was XXXX  I believe. So at first I thought maybe it's fees from over time and I made a {$20.00} payment. But later I realized that it had to of been used and maxed out because It just doesn't make sense. I would never come close using up to my credit limit. Only buy what I can afford to pay back that month!. So I really need help with this. I'm going to leave documents of the times I was in XXXX  and till the times I was XXXX  but keep in mind that most all of them when I get released, it's into a XXXX XXXXXXXX. If you can look at the transactions on the card and see when it was used and compare it to when I was in jail you should see it wasn't me that made that transaction. 
Also I have a XXXX XXXX XXXX account, and a Kohl 's Rewards credit card. The Kohl 's card I got sometime between one of my ins and outs of XXXX, because I was told I had good credit at the time so that's what makes me believe someone used my card after I applied for the Kohl 's card. I had no access to my capital one at all after I was originally XXXX. 
Thank you for your time and I look forward to hearing back. 
Also I have no access to the Walmart account at all, so I can't personally see any transactions that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see inaccurate accounts listed, and I have no clue how they got there. I regularly monitor my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors didn't disappear. This situation has left me deeply troubled, and Im asking that the documents I've submitted be carefully reviewed so I can stop worrying about this ever happening again.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX XX/XX/XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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: Student loan

Hello, I 've been paying on my Navient private student loan since my graduation in 2010. I have had repeated instance of Navient mishandling my payments, resulting in late fees. I am also currently being charged over 10 % interest rates on XXXX loans which equal up to {$28000.00}. They have given no option to lower these interest rates, and when I call to handle billing issues, it takes hours on the phone to get the issue resolved, only to become an issue during the following months ' billing cycle. 

We need real help with private student loan scams from Navient. They are allowed to mistreat borrowers without any repercussion or oversight. I am seeking government assistance due to the fact that I ca n't pay my monthly premium, as well as afford to live. As I mentioned, I have been paying now for six years and my premium balance has increased almost {$10000.00} due to interest. 

We need help. 
Please. 

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

Transunion verified XXXX XXXX  as ACCURATE. 

The 'terms ' is reporting as " {$0.00} per month, paid monthly for XXXX months '. ( INACCURATE ) ( see attached contract ). 

The 'high balance ' is reporting as {$3100.00} ' ( INACCURATE ) ( see attached contract ). 

My rights to a complete and accurate report have been violated.
Product: Checking or savings account

Chase bank advertises quick pay as a convenience. On XX/XX/XXXX I cashed money for my neighbor. On XX/XX/XXXX my neighbor reported her debit card stolen. Chase  automatically froze my account since the quick pay I did for my neighbor was during dates that she reported her card stolen. I have brought Chase all text messages and a hand written note from my neighbor, with her signature & social security number to prove the quick pay was legitimate however Chase still has my account frozen claiming I committed fraud. I missed my last payment to a credit card & my last car payment since these 2 payments were on automatic payment. Also my wages go into that account & even though my wages are more then the disputed amount they have decided to freeze my wages also which are on direct pay. Im having to prove Im innocent, which I have, however they continue to have a freeze until they decide to finish an investigation. They claim my neighbor isnt answering their calls anymore. That shouldnt impact my account since I have provided all text messages where she asks for me to cash money via quick pay & ive provided a hand written note with her signature stating the quick pay was a legitimate transaction. Chase should not be allowed to advertise quick pay as a safe way of banking!! This all happened on XX/XX/XXXX. After providing evidence that the transaction was legitimate, they are still investigating & all my money including my wages that were deposited after the dispute are still frozen. None of my wages nor my account should be frozen!!! This has been a horrible experience.
Product: Debt collection

On XXXX XXXX I received a collection notice from Radius Global Solutions in the amount of {$110.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Money transfer, virtual currency, or money service

Tried to send money through XXXX with a PNC bank account, but am unable to do so.
Product: Credit card

This relates to Target Credit. As stated above our house burned and I do not havve my records but, Target should because we dealt with only XXXX man. The issue was over XXXX fraudulent charged to our Target Card.and was resolved with the removal of the XXXX and we paid account as agreed. The XXXX Credit report shows the matter under " Adverse Accounts '' but I can not understand what was reported but, the settlement was not. Then XXXX reported that a company called " XXXX XXXX was reporting a collection matter with XXXX Target XXXX with an amount of {$3000.00} but, we have never talked or had any communication with this company. The {$3000.00} was the fraud amount that Target said was charged off. There is no address or phone for this company. I think Target should do what they ageed to to and remove this from my Credit Report. It is unfortunate that the fire and burning of our house on XX/XX/2015 took all my records. I am complaining about the difference of the XXXX reports and the information contained in the reports.
Product: Mortgage

I have been asking Selene to justify my loan balances by giving me accurate figures.

I am behind because of COVID restrictions and rules, however after receiving conflicting information from Selene I have been asking and disputing my loan balances. 
After returning to work after COVID mandates. I applied for a modification. Selene has repeatedly denied giving me a medication. 
On XX/XX/XXXX Selene sent me a statement and reinstatement amount for XXXX. I started questioning the amount. I kept asking for an accounting On XX/XX/XXXX, I received another statement showing XXXX. I immediately call Selene to inquire as the which amount is ligitimate. No one was able to give an accounting or point out the error. To date no one at Selene or any other of the previous lenders has given me an accounting of any errors regarding this mortgage loan. 
Please see attachment for statements and reinstatement quote. I am still disputing the valves not that I signed. I am currently disputing the accounting and balances owed. 
These mistakes has created a real hardship and I feel I should be allowed to continue with making my loan balances. Selene mistakes has cause me not to qualify. I am asking for a complete accounting showing why XX/XX/XXXX statements is due XXXX and the current for XX/XX/XXXX for XXXX to reinstate. 
Selene has cause additional hardship other than COVID restrictions and guidelines They disqualified me based on inaccurate information. I am asking for a complete breakdown of all transaction from the time I incurred this mortgage until present. 
Thank you
Product: Debt collection

I have an old Asset Acceptance account from XXXX XXXX ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). Asset Acceptance has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. Asset Acceptance has violated my rights as a consumer and XXXX terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against Asset Acceptance : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
Product: Vehicle loan or lease

I had to finance a car in 2018 because I didn't have credit. I had to pay back With high interest, the start of Covid 19 and pandemic the shot down of the XXXX XXXX XXXX XXXX, and also I got XXXX and couldn't go to my other job. And I couldn't pay the loan installments and I called Santander company several times and explained to them. I even told them you can get the car back but they said no. And they just delayed my installments. I owed {$11000.00}, And a few months ago they took the car from my door. And they sent me an email that they would remove it from the credit collect by paying {$2000.00}. But I can't pay. Because my XXXX XXXX XXXX and can't work due to XXXX XXXX and she lost his business after XXXX. 
Please help me
Product: Credit card or prepaid card

I inquired about a battery storage system for my residential solar system on or about XX/XX/22 and completed the purchase from XXXX XXXX on XX/XX/22 after verifying with the supplier that the system was compatible with my inverter and asking about whether there were no recalls on the battery ( I had become aware of reports in the intervening time from original inquiry date and eventual purchase date ). After delivery, the battery system was, in fact, incompatible with my inverter and, indeed, there were recalls concerning this device. I requested a Return Authorization from the supplier and was informed at that time that a 20 % restocking fee was applicable. At no time before my request and in no documentation provided to me was there any prior notification of a restocking fee associated with the purchase contract. I returned the battery on XX/XX/22 in original, new and unused condition in the original packaging per the stipulation of the supplier ( which was the only condition that was mentioned in correspondence ). The supplier has received the battery and has made no representations that it isnt in the condition required for return. I let the credit card company ( Barclays ) pursue my dispute of the restocking fee and after months of correspondence and providing corroborating documentation, my creditor informed me that they wouldnt pursue the matter further and they found for the supplier.
Product: Debt collection

I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. 

His exact words were " Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. 

That same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. 

I called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. 

When you call the number above they refuse to provide any information about the so called officer or " the account '' but want you to settle by giving them a debit card number.
Product: Credit reporting

This is on all XXXX credit bureaus. On XXXX XXXX I traded in a Subaru for a Mitsubishi. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX14-XX/XX/XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be one loan inquiry for this purchase. This greatly effects my credit and my score
Product: Checking or savings account

I received a letter on XX/XX/2023 stating that my PNC checking account was closed. They closed my account due to an unknown reason, as I did not request the account closure. My account had a balance of {$500.00} at the time of closure. The letter stated that any remaining balance would be mailed to me as a cashier 's check. However, I never received the check. I called PNC and was told the {$500.00} was sent to the unclaimed property department and to check on the Illinois treasurer website to file a claim to receive my funds. Upon checking the website, I was unable to find the {$500.00}. I sent a letter to the Illinois treasurer explaining that PNC sent {$500.00} from a closed checking account to the claims department. I received a letter back from the Illinois treasurer in XX/XX/2023 stating they never received the money and do not have it. I went to the XXXX, IL PNC location on XX/XX/2023 to see if I could finally resolve the issue. The employer who attempted to help me made multiple calls to different departments and wasn't able to find a solution. She gave me a number to call and leave a voicemail, so they could call me back and sent me on my way. I called the number, which stated to leave a voicemail explaining my situation, and they would call me back within 2 business days. However, the voicemail box is completely full, so I'm unable to leave a message. I'm not sure what to do at this point ; I'd just like my money back.