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

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, TRANSUNION, AND XXXX )
Product: Debt collection

On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent to collections {$680.00}, now XXXX XXXX XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered
Product: Money transfer, virtual currency, or money service

I cashed a check with XXXXXXXX XXXX XXXX  and had the money sent to PayPal. PayPal claims the dont have the money regardless of XXXX saying they successfully sent it and I have an email saying they received it. They have my money and wont give it to me
Product: Mortgage

late this afternoon, I received a phone call from Chase verification number XXXX that someone pretending to identify as me, is still and tries to buy a car at XXXX. and they are suspicious at Chase and wanted to check I told them on the call it is not me I have never tried to buy a car in years and this is not me and its a fraudster. Chase gave me a reference XXXX for the matter and I will report this further tomorrow since its night time already but I wanted you to also investigate.
Product: Student loan

While attending XXXX University, I petitioned for a XXXX XXXX XXXX. XXXX " forgot '' (!! ) to file the loan request and instead offered an institutional loan for the same amount and under the same terms as a Perkins Loan. 

I graduated in XXXX and began XXXX school for a XXXX XXXX in XXXX XXXX immediately. For the past five years, all of my loans have been in deferment while in school and in grace during the summer. 

This year, my institutional loan, handled by UAS since XX/XX/XXXX did *not* put my loan in grace for the summer of XXXX ( despite having correctly done so in summer XXXX. I requested a copy of my MPN which also states that following an in school deferment which this loan was in through XXXX of XXXX, the loan has a grace period of six months. 

Instead of putting it in grace, I was charged starting XX/XX/XXXX with little information about the change. This account is now considered not in good standing and it is affecting my credit score by 100 point. Meanwhile, I have contacted the company multiple times for weeks. I have forwarded them past grace notices about this loan. 

They say they have forwarded this information to an " account specialist '' several weeks ago. They will not allow me to speak to this account specialist. The account specialist has not contacted me ever. I can not contact anyone about this but the same customer service line which can not or will not do anything.
Product: Debt collection

For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Product: Debt collection

That is not mine. I asked for validation several times and they can not comply with that per federal law. This is not my debt needs to be removed my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.
Product: Student loan

I attended XXXX University XXXX through XXXX XXXX in XXXX XXXX Ca in XX/XX/XXXX-XX/XX/XXXX. I started out going for my XXXX degree and was told that I would be able to do that with no problems. I asked many questions during my interview just to find out that I was lied too throughout the whole conversation. First off I was told that If I did not take the stipend check then the money would be returned and I would not have to pay it back, Wrong. I have to still pay it back. I was told that after I graduated I would receive assistance in finding a job, wrong. In XXXX XXXX my son was hit by a truck, he spent 3 1/2 weeks in XXXX, 6 weeks in XXXX and another 6 months in a XXXX, I was there every minute with him but I STILL DID MY WORK. I never left my classes or anything, but the school said that I dropped out for that semester and charged me over & XXXX that I had to repay. I never dropped out I still did my work and everything. I feel that they took advantage of me. I did let them know what was going on in my life at that time, so if I missed any class then they would know why. After 2 years of schooling I get a phone call that tells me, " You do not have enough points to continue with a XXXX degree, I guess you get XXXX % and I am at XXXX % so I would have to start paying everything out of pocket. '' Well I am a single mom of XXXX so there was no way I could do that. I asked if I could drop it down to an XXXX Degree and finish, they said yes. So I finished that semester and graduated in XXXX XXXX. I had my heart set on a XXXX degree not an XXXX. The big kicker is they did n't change the payment. I am repaying on a XXXX degree loan and only received an XXXX. Now where is that right? I feel that they misled me and took advantage of my situation. Even after I graduated they did n't help me find a job or anything. My question is, WHY? 
Can I get any help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Real Time Resolutions ( RTR ) is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with XXXX for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. Real Time Resolutions was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with XXXX should read a charged off debt and not active revolving debt with monthly payments due. Moreover, RTR never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means RTR is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Mortgage

We have an impound account with Loancare and the Loancare has not paid our property taxes that were due back on XX/XX/XXXX. There is money available to make the payment in our impound account. 

1 ) XX/XX/XXXX we received the notification from XXXX County of the non payment of the property tax. 
2 ) XX/XX/XXXX Loancare was contacted and provided us with an email account to send the property tax bill, the email would not go through and another email address was provided and the email was received. Was informed by Loancare to check back on XX/XX/XXXX. 
3 ) XX/XX/XXXX Loancare was contacted and the payment still had not been paid. 
4 ) XX/XX/XXXX Loancare was contacted and informed us that the property taxes would be paid on XX/XX/XXXX and to check back with them. 
5 ) XX/XX/XXXX. Spoke again to Loancare who indicated that the payment had not been issued. Request a transfer to a manager and after 30 minutes on hold was sent to a voicemail box that would not take a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account name : XX/XX/XXXX XX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Please see attachment, it is important to mention that the bank 's XXXX XXXX is a key employee I had a XXXX XXXX complaint concerning now at the FDIC and the bank nationalized due to their links to my issues.
Product: Debt collection

I received an e-mail that was by nature meant to instill fear in me. One statement says, " You might be immediately sacked by your employer as they will be notified. '' This is a direct statement that I have copied and pasted here from the e-mail I received. According to the law, they may contact my employer to gain information, but they can not notify them of the nature of the debt. This statement is meant to make me fear that they will intentionally try to get me, " XXXX, '' by my employer. 

Additionally, I have not had any contact regarding this account until today. They have made false statements to attempt to instill fear into me. Below is a copy of the e-mail ( minus personal information ). 

We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 

2. Your credit will be ruined. 

3. Your wages can be garnished. 

4. Your bank accounts/credit cards will immediately freeze. 

5. The IRS will put a hold on your Tax return. 


Before proceeding ahead, this is your final chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

We are also willing to provide you with a payment arrangement or one time settlement according to your convenience. 

Please respond ASAP as you have two business days to respond.
Product: Checking or savings account

On XXXX XXXX XXXX, I submitted a stop payment request to stop an UNAUTHORIZED electronic debit [ {$220.00} XXXX XXXX ] on my checking account XXXX, my bank dishonored my request. This transaction was withdrawn from my account on XXXX.As a result, this has created a financial hardship for me to meet my rent obligation. Additionally, I keep a minimal balance in this account because I am in the process of closing account, but need to keep it open until my SSA benefit is credited to the new account that I opened with the bank.
Product: Mortgage

Entered into bankruptcy ( BK XXXX XXXX in XXXX and recently dismissed as of XX/XX/XXXX. Recently notified by XXXX, XXXX XXXX XXXX ( XXXX XXXX ) via letter that they are seeking foreclosure ( on behalf of Wells Fargo ) on a property that was covered in BK XXXX. A loan modification was submitted and approved in XX/XX/XXXX by XXXX XXXX for this property. The Bankruptcy Judge had to approve the loan modification before I could move forward with accepting the loan modification from PHH ( Wells Fargo Servicer ). All payments were made through the Bankruptcy Trustee to Wells Fargo on my behalf as outlined in the bankruptcy agreement. PHH, the Servicer has requested that XXXX XXXX foreclose on my property. PHH is stating there is no loan modification agreement on file. My attorney, XXXX XXXX e-mailed XXXX XXXX the loan modification acceptance letter and a copy of payments made by the Trustee to show I am current in payments. PHH has filed for foreclosure on my property without just cause. Documentation is attached.
Product: Vehicle loan or lease

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( C ) the property is exempt by law from such dispossession or disablement. 

Vehicle was taken on XXXXXX/XX/year>
Product: Mortgage

Fay Servicing was given my loan from XXXX XXXX, who received from XXXX, who received from XXXX via as an original XXXX loan in XXXX. Issues started with XXXX demanding an escrow account of additional amount but did not apply extra payment to escrow, instead to principal/interest with large fees for shortage even though principal payments made as well each month on time. After mulitipal calls XXXX said to combine payments and they refused next payment and gave loan to XXXX XXXX. 

XXXX XXXX refused to correct XXXX overcharges of interest, insurance, and penalties accepting 3 payments with new loan at higher amount I refused to sign. XXXX XXXX then gave loan to Fay Servicing. 

Sending letters of issues to Fay Servicing as well as over 30 documented calls from XX/XX/XXXX to XX/XX/XXXX with no resolutions with most calls never returned. 

I was notified XX/XX/XXXX of XX/XX/XXXX sale date. I had a signed sale agreement and called XXXX with no return calls. On XX/XX/XXXX my buyer was able to get an answer and patched me into call to request time to close. Contact refused and would not allow us to talk to Manager, only leave manager message which was never returned. 

Fay Servicing has also not responded to multipal requests of owner of loan saying it was owned by XXXX XXXX and then XXXX who both have stated no outstanding loans. Then they said the loan was sold by XXXX to XXXX XXXX  last year who also had no record. I have sent them a copy of letter from XXXX stating loan was paid off in XXXX which concures with my employment contract from XXXX.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute inaccurate information on my credit report with XXXX. I have late payments reported from Higher Education Student Loans during Covid-19 when loan payments were paused and also during times when my loans were deferred and being consolidated. I also have been trying to contact them in regards to some inquiries that are not mine as one can not dispute those on XXXX 's website. My purse with my wallet and passport were stolen a couple years ago and I have had some fraudulent accounts I have been disputing already on my report that XXXX has not deleted yet. I have sent in disputes to XXXX online in regards to the late payments reported from Higher Education in which they replied they had finished the dispute and had supposedly verified the information as accurate and refused to correct it. I also tried calling XXXX to speak with someone to correct this information, however no matter what I said or pressed for options on their automated system, they kept ending the call and there is no option to speak with anybody. I called Higher Education about the inaccurate late payments and they referred me to the Department of Education which is closed and I got nowhere. Please help me get this inaccurate information corrected and/ or deleted off of my credit report. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

!!! Hello, My name is ***XXXX  XXXX XXXX I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.
Product: Credit reporting or other personal consumer reports

These inquiries are incorrect since i do not recognize them, please investigate them and delete them : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts : XXXX XXXX Account Number : XXXX Balance : {$3700.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2300.00} Date opened : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX