23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I accepted Covid relief offer for forbearance and was told repeatedly that one of the options for settling that forbearance was to add the final amount deferred to the end of the loan. However, when I started that process in XX/XX/2021 the forbearance was extended again and they told my ex husband and I to contact them in another mth. or so to settle the forbearance and begin making mthly payments again at that time. I think what we were aiming for as we resolved the Covid was referred to as a SIMO ( simultaneous modification/review/assumption ). This process was to have taken care of theCovid forbearance being added to the end of the loan, make my payments more affordable as I am now a single income senior and enable me to preserve my only home while also having me confirmed as successor ( unfortunately due to a divorce ) all at the same time. Again, I was told repeatedly that adding the balance deferred to the end of the loan would be one of the ways offered to resolve the forbearance. As already mentioned, I am a senior and have limited income and earning potential at this point. This is my ONLY home ( as well as my daughter 's ) and it is of the utmost importance that I not be taken advantage of or lose my home due to the historically complicated times and the Wells Fargo system that could have instigated a riskto losing my home. I have spoken with 4-5 different departments on any given day at Wells Fargo often getting bumped from one to the other up to ( 4 different people in hours long telephone calls ) on many days. Please help me get this resolved so that I am not in danger of foreclosure or losing my only home in my senior years after accepting what should have helped me ( the Covid Relief ) but now seems possible to be an instigating cause threatening my loan and the of loss of my home. It has yet to be able to be resolved through the bank. I am not sure if it was the unfortunate divorce that has complicated it a bit more or what but I do feel and have repeatedlymade clear that I need someone to help me keep my home at this most critical juncture. I have pages of names, dates, etc should any of that be needed but have felt tossed carelessly about from one department to the other and still no resolution through Wells Fargo. That is why I am reaching out to you for help now.
Product: Consumer Loan

The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I received a letter on XX/XX/2020 from a firm called Jefferson Capital Systems LLC stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " XXXX ACCOUNT. '' After reviewing my e-mails and XXXX and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from XXXX notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from XXXX stating that my balance had been sold to the creditor Jefferson Capital Systems LLC.

The letter sent by Jefferson Capital Systems LLC dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXX in XX/XX/2020. There was not attempt by XXXX/XXXX  to notifying me of the balance they sold to Jefferson Capital Systems LLC of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from Jefferson Capital System LLC, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 
In this case, I believe that XXXX  and Jefferson Capital Systems LLC are both fraudulent operators. XXXX XXXX fraudulent activity including the sale of accounts receivables to J

efferson Capital Systems LLC in which they had already received payment from the initial customer. I believe that Jefferson Capital Systems LLC is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to Jefferson Capital Systems LLC to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the Jefferson Capital System LLC 's ownership of the balance and request for payment.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX BK OF AMER XX/XX/XXXX  I disputed them with creditor and credit bureau but they remain on my credit report!
Product: Debt collection

XXXXXXXX XXXX balance XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX ( g ) ( XXXX ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE
Product: Debt collection

On  XXXX / XXXX / XXXX  I sent a certified letter to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  regardin g one   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on  XXXX / XXXX / XXXX
Product: Student loan

I currently am enrolled in direct debit and receive an interest rate reduction of 0.25 % on my student loans. I pay an additional amount above the required monthly payment. I want to adjust the additional amount. In order to do so my loan company says I need to cancel the direct debit to change the amount and re-enroll. This will result in me not having direct debit for 1-2 months based on their processing time and incurring an increase in interest rate during this time. They have told me there is no way of changing the amount of my payment without canceling the direct debit and increasing the interest rate. I do not believe it is acceptable for them to penalize me for adjusting my monthly payments.
Product: Credit reporting or other personal consumer reports

I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I went to XXXX in XXXX TX, in XXXX XXXX 2015 ; and apply for credit to buy furniture there, I qualify for {$6500.00} I spend {$2100.00} for a sofa and love sit and XXXX for insurance for that furniture, I also ordered a chair that I dont received yet. In XXXX XXXX I receive the card with the statement that show that I owe XXXX in the credit card the furniture get my full credit not the amount that I spend there.
Product: Payday loan, title loan, personal loan, or advance loan

I was extended invitation. I applied. I was approved. I am unable to accept offer. Their website is not working! I keep asking for a call they will not call the site does not generate the code
Product: Debt collection

I never applied for this apartment and never lived there and never agreed to pay anything to this company. They are demanding I pay a balance of {$220.00} and Im constantly getting denied for other rentals due to this issue. When I reached out to the leasing office they demanded I pay this amount even though I didnt authorize this and have no clue where this came from. According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXXXXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit card

Searched my credit onXX/XX/XXXXand saw I had a delinquent capitol one card for over {$1500.00}. The information said the account was opened in XX/XX/XXXX. I did not open this account or approve of it. I called capital one and filed a fraud report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE " WRITTEN '' INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information- ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent on my report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 capital one has done a hard inquiry without my concent or approval. I alredy have credit with capital one so there is no need to ask for new credit inquiry.
Product: Student loan

Multiple calls placed to Mohela without any valuable answer or data received back with continued expectation to make inaccurate monthly payments. One manager told me that we ( student loan holders ) typically know more than them faster and that they get a lot of misinformation. She went on to say she would say more, but she needs her job. 
I could not get an answer on how my current monthly payment were calculated. Changed from REPAYE to SAVE. I believe I should be paying a lot less. I requested specifics on how they got my monthly payment. Never received. I said until there was an understanding/accuracy of monthly payment, I shouldn't have to pay. She said that there is a grace period until XX/XX/2024. Essentially the F up period. I have never gotten any grace period for them to accurately update my monthly payments and have been expected to overpay. So I have since XXXX. In addition, my counts on my 17 loans are off 0- 2 payments under where they should be. I submitted for this to be corrected with specifics and have gotten no where. 
I discussed with a representative last XXXX about consolidating all of my loans. She said that I could do that, but the time under the consolidation would not count toward forgiveness. I did not consolidate because of this. Now I learn that the time of consolidation would have counted toward PSLF. Since the XXXX XXXX I have now been afraid to consolidate with concern that my count would go to XXXX. 
I have first hand knowledge of student loan repayers that have had to make no payments since XXXX, with only one of the above being a problem for them and it counting. Reporting ineligible, but stating they have been assured it would count. I have gotten no such grace. 
I have been making monthly payments of $ XXXX since XXXX. These payments have been stressful/financial burden and taken an emotional toll on me. As a result I have had decreased energy and time to work dealing with all their inaccuracies. 
Told multiple times I had to recertify in XXXX, then it moved to XXXX. They sent me a letter saying if I didn't recertify my monthly payments would double. They have acted like a XXXX with no accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries by XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX RE : Demand notice Savings -XXXX closure and bonus To Whom It May Concern : On XX/XX/2019 I opened Citibank checking and savings accounts in response to an advertised {$500.00} bonus. 

On XX/XX/2019, I was informed that Citibank would be closing both accounts on XX/XX/2019. Only the checking account was closed on or about XX/XX/2019 On XX/XX/2019, I was informed that my deposit accounts will be closed in approximately 30 days if I did nothing. 

On XX/XX/2019, I attempted to close my savings account via phone and chat. I was specifically told that Your account will be closed in 1-2 business days, not including holidays or weekends. The savings account remained open. 

On XX/XX/2019, a $ XXXX monthly fee was charged to my account. 

On XX/XX/2019, I again asked for this account be closed. The chat representative was unable to waive the fee and thus, could not close the account. 

It appears that Citibank is charging customers for its own incompetence. 

Now, I respectfully demand that 1. The savings account be closed with a zero balance and 2. Citibank pay the advertised {$500.00} bonus. 

Else this matter will proceed to arbitration with all costs borne by Citibank. 


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

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXXXXXX XXXX XXXX XXXX : XXXX XXXX2 has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

My credit report has mistakes listing late payments inconsistent with my record. Kindly fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the market to purchase a new home. I watch my credit very closely. On XX/XX/2018 I noticed that I had a new item on my credit. It was for the XXXX XXXX XXXX in the amount of {$330.00}. Per the credit report it states it was opened XX/XX/2018. I reached out to the collection company, XXXX XXXX XXXX XXXX on that same day by mail. In the letter I let them know that I dispute this debt in it's entirety. I requested they provide proof that this debt was mine. I asked them to only contact me by mail moving forward. I made it very clear that I DO NOT have a loan from XXXX XXXX XXXX. There is no question about it. 

I never received a response from them. Instead, on XX/XX/2018 I received a phone call from them in an effort to collect the debt. I told them that this debt is not mine. They told me to report identity theft. 

Not only are they after me for a debt that is not mine, they are damaging my credit in ways that are unthinkable. It will take me a very long time to improve my scores after this is resolved. In turn, pushing back the purchase of a new home. 

I will not file identity theft for something that is their mistake. It is absolutely horrible that they expect for me to make this go away by doing that. Clearly the debt is not mine or they would be able to show me that it is. 

I sent another letter to the collection company today asking for the same thing. 

I have filed a dispute with the credit bureau that it was reported to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on my report that I did not allow by CREDCO on XX/XX/2020. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.   XXXX   AND EXPERIAN HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   XXXX   XXXX   XXXX  NEVADA  )    XXXX     XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND EXPERIAN. AND   XXXX   XXXX   FROM  XXXX
Product: Debt collection

I was put into collections by a medical company named global radius solutions for XXXX in the month of XX/XX/2020 that is false I have insurance and not only that I have not visited that medical facility and I dont not have any prior acknowledgement to this account I have previously disputed this account and similar accounts in the past the account continues to regenerate into collections every time it is deleted please help me I have used XXXX  and XXXX XXXX to dispute account nothing is working.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 at XXXX, I called to inform Experian that they have failed to dispute items on my credit report within 30days from the date of my certified letter. I was informed by a Experian Supervisor that they have never received validation letter, and the information I disputed was just verified. I informed them that I have proof of certified letters from the United States Postal Service with a date and time stamp. The supervisor was rude and told its not the company fault that they did not receive my certified letters, and next time send them regular mail because they don't receive certified mail. I explained a Experain rep told me where to send my dispute, and gave me the dispute departments address.
Product: Student loan

I have elected to enroll in the autopay since XXXX of XXXX starting in the amounts of ~ {$1700.00} but Aidvantage continues to fail to post my autopay and charges interest on the amount unpaid. I have spoken to representative XXXX XXXX and they won't send any confirmation that this is being looked into. I continue to get ignored on the issue and the Autopay election continues to be ignored. My payment has significantly increased and interest has increased as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from a bank called Comenity Bank stating that I applied for a credit card. I have not done any applications with this bank nor heard anything about the bank. The letter states that I did an online application with that bank. The letter was dated was XX/XX/2022. It states that I applied for XXXX XXXX XXXX XXXX 
I called the bank and they stated that they would delete the application. I do see a hard inquiry on my credit report that I need to be cleared. This is a fraudulent request and the bank agrees with that fact.
Product: Debt collection

Monday, XX/XX/2023 at XXXXXXXX XXXX 

Received a robocall voicemail from XXXX. The voicemail named my first and last name as the intended recipient. '' " This call is from a debt collector. We are calling for Receivables Outsourcing LLC. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return our call to talk about a confidential business matter at XXXX. '' I do not owe any debt, and the voicemail provided no information about the " debt '' amount, the company the debt was for, and how to pay it. I believe this is a scam/phishing attempt. I have received no outstanding bills or balances in writing/via mail from any company or business whatsoever.