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

XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REORT AND SEEN THIS INQUIRY ON THERE THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE THAT I AM A VICTIM OF IDENTITY THEFT AND THEY ARE SUPPOSE TO CALL ME EVERY TIME SOMEONE APPLY FOR CREDIT TO MAKE SURE THAT IS ME AND THAT DID NOT HAPPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this problem in my Equifax report since XXXX 2016. There were a comment " Paid after Foreclosure initiated '' on an account that was actually closed with a Short Sale settlement. The only result of those complaints is the reduction of more than 50 point on my score. My point is even if such process was initiated, is not relevant nor accurate, because it is NOT the CURRENT situation. We want to rectify it because it does not mention the Short Sale agreement which supersedes any eventual past processes, like all the years we paid on time, or our atempts to get a fair modification, or this one that we never get notice of. Instead of that we get a letter offering th AVOID foreclosure more than three months AFTER we closed the account. An accurate report should show the CURRENT STATUS which is something like : " Paid as agreed in a short sale process ''. As opposed to that in the Equifax report the " STATUS '' column says " 120+ days past due ''. That is definitely false and harmful, and has to be corrected. In the other hand, now the questioned comment says " Consumer disputes - reinvestigation in progress '' and for the last month and a half has been sitting like that. I called Equifax, because ironically I am their customer, asking when this reinvestigation will be over and they told there is not any open investigation!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to Experian, XXXX and XXXX because of my vehicle loan issues and disputes. Also accommondate me on my XXXX XXXX  under my XXXX XXXX Act Civil Rights.under the Department of Justice. Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %. The full payment was debited from my XXXX XXXX XXXX Checking account. I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX {$440.00} and high interest rate of 17 % with XXXX. Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender? I am XXXX XXXX and Retired. Notice : My XXXX Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings. On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan. I am a Military Veteran, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) dXXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX  Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX XXXX XXXX XXXX XXXX  {$4500.00} XXXX XXXX XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XX/XX/XXXX car and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX Department of educationXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So financial leading bank account see XXXX XXXX XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken
Product: Debt collection

I was told by the XXXX XXXX XXXX XXXX  billing department 's supervisor, XXXX, that my billing would be put on hold until all claims were processed through my insurance. In XX/XX/2023, I received several letters from Clear Management Solutions requesting payment for medical billing from the XXXX XXXX XXXX stating those bills were in collections. I have called XXXX XXXX XXXX XXXX XXXX billing department requesting to have the bills recalled from collections so that the insurance can be processed as the billing amounts were incorrect. I was told that I needed to call XXXX and request that they send the bills back to the XXXX XXXX XXXX I did that and XXXX told me that they do not have that ability and that the XXXX XXXX XXXX needed to request the bills to be sent back. They have also harassed me by calling me several times requesting payment even after I told them that the amounts were incorrect and after asking them to stop calling me. I have called the XXXX XXXX XXXX XXXX  billing office requesting to have the bills returned to them so that they can be properly processed and paid, and I was told that I needed to speak to a supervisor. I have called back every other day since XX/XX/XXXX requesting to hear from a supervisor, yet have never received any communication from them. 

The following bills that this company shows that are due are incorrect : XXXX XXXX # XXXX they show a balance of {$220.00}. My XXXX  from insurance shows my XXXX responsibility as {$190.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$27.00}. My XXXX from my insurance shows a XXXX responsibility of {$0.00}. This claim was included with the above claim and the total amount due is {$190.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$1100.00}. My XXXX from my insurance shows a XXXX  responsibility of {$750.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$1100.00}. My insurance is currently processing this claim and show a {$0.00} balance until the claim is completely processed. 
XXXX XXXX XXXX XXXX  they show a balance of {$920.00}. My XXXX from my insurance shows a XXXX responsibility of {$0.00}. 

My current balance due at the XXXX XXXX XXXX  is {$2500.00} pending the hospital visit claim # XXXX, NOT the {$5100.00} that they are stating that I owe. I have already provided my XXXX to the XXXX XXXX XXXX XXXX billing office for them to be updated, yet nothing has been done and my bills are still in collections with XXXX. 

The bills need to be recalled from XXXX IMMEDIATELY and properly billed to reflect the correct amount due of {$2500.00}. I will then be HAPPY to pay them off.
Product: Student loan

My loads were switched again, now to Mohela. I signed up for auto pay. They sent me missed payment notification. I logged in to find the issue. Assumed my own error on auto payment and paid the past due and the new payment. 

At the end of the month, I checked my bank account. The original payment has been processed by my bank AND the double payment. I made three payments and have not received any update and will not be credited for three.

Since I am counting down the payments from XXXX ( they have yet to produce a full number of payments left ) before my loans are discharged- I've been working as either a teacher or at a non profit since XXXX this is just money to them that I will never be credited. 

I've sat on hold from that time I get off work ( XXXX XXXX ) until the time they close ( XXXX XXXX ) multiple twice this week. Another XXXX days through my entire XXXX lunch break. 

They can't account for my payments. 
They can't accept payment. 
They can't remedy their issues. 
I can't even talk to someone about how to get it solved. 

If these were true for any type of financial services but student loans, we would get to report these as scams. Please begin treating them as such. These are known issues.
Product: Mortgage

The mortgage servicer, Servicemac, who is sub-servicing my loan on behalf of Guaranteed Rate, double paid my property taxes that were due by XXXX ( despite my numerous calls to them, explaining and proving that all taxes due by XXXX have already been paid ). Now due to the duplicated payment of property taxes which was the servicer 's fault, they are stating that I have escrow shortage and want to increase my monthly payment by {$700.00}, while my escrow account should have never had escrow shortage. They have mismanaged the funds in my escrow account, and are creating a big payment shock to me which is putting me at risk of defaulting on the mortgage. 

Additionally, they have not been paying me the required 2 % interest on the escrow balance as it's required by CFPB and state of California. I asked them about it, and they said that they don't pay any interest on the escrow balance. This is another violation. 

Lastly, I requested my escrow account to be removed due to their mismanagement of my funds and not paying the required interest. At first, they approved it, but then they rejected the request due to their duplicated property tax payment and the escrow shortage that they created.
Product: Credit reporting

I have a security freeze on my credit reports, i tried to go online and lift my security freeze with Equafax and i fill on the information and submit it online as they say you can sign in and do it onlne, when i tried it it tells me the request can not be processed and l need send in copy of my ID plus other things, they make it very very very hard to do anything online.
Product: Credit reporting or other personal consumer reports

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT XXXX XXXX ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I do not recognize these inquiries and they are fraudulent. I request that these accounts be deleted promptly from my credit 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 XXXX 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: Debt collection

I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from XXXX XXXX. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.
Product: Credit card

My bill is due on XXXX monthly on, Friday XX/XX/XXXX at XXXX ; XXXX i paid {$140.00} from my business checking account towards my credit card bill. On XX/XX/XXXX i saw a {$40.00} late fee on my account, i called Chase Bank and ask why is there a late fee when i paid my bill on XX/XX/XXXX hey stated he will put in a reversal for the same. I then ask him to put in a reversal for late fee in XXXX which he told me he did and it was authorized. that is a total of XXXX late fees one for the XX/XX/XXXX and XXXX for XX/XX/XXXX. On XX/XX/XXXX i notice they took the reverse the late fee back for XXXX that was not late because XXXX. I called chase bank at XXXX on XX/XX/XXXX at XXXX ; XXXX a customer service came on line. Telling me the reversal was a mistake. HOW can you charge for a late fee that was paid on the due date. I initially did not owe any late fee for XXXX to make matters worse i ask for her supervisor a man came on stating his name is XXXX stating he is the accounting supervisor bank # XXXX. When i ask about the discrepancy i heard him in the back ground laughing and ignoring me when i try to ask questions. I ask him to speak with is manager he stated I AM THE MANAGER. I stated did you not state that you were the supervisor eh then admit he is and hurried me off the phone. I need my {$40.00} back as my bill was not late.
Product: Credit reporting or other personal consumer reports

I am reaching out because there are XXXX fraudulent credit card accounts on my credit report that I did not open. These accounts were opened in my name without my knowledge or consent, and I am requesting immediate action to remove them. 

The first account is a Bank XXXX XXXX credit card, opened on XX/XX/XXXX, under account number XXXX, with a high balance of {$2100.00}. 
The second account is another XXXX XXXX XXXXXXXX credit card, opened on XX/XX/XXXX, under account number XXXX, with a high balance of {$1100.00}. 

I want to make it clear that I did not apply for or authorize these accounts, and they need to be removed. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that EXPERIAN block these fraudulent accounts from my credit report within four business days of receiving this complaint. 

I have attached FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts are the result of identity theft. I have also included a copy of my credit report, highlighting the fraudulent accounts. 

Please confirm when these accounts have been removed, and let me know if you require any further information. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I inherited a house when my mother died in 2020, and I have been paying the loan since. I now have this house transferred into my name, provided the lender with the recorded deed and my mother 's death certificate, but when I try to communicate any details about the loan, I am told by customer service, that they can't give me details because my name is not on the loan documents. Can you help me with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX FL XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Credit reporting or other personal consumer reports

I went to purchase a car. The only approval I want was through the XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX that was pulled XX/XX/XXXX. I also did authorize XXXX XXXX XXXX. I didn't authorize XXXX XXXX XXXX. They was all pulled XX/XX/XXXX. I have also didn't authorize XXXX XXXX  that was pulled XX/XX/XXXX. I have reached out to all credit bureaus to settle this matter one of them provided the proper steps to verify that I have personally authorize these inquiries
Product: Credit reporting

The credit reporting agency will not allow me to file an additional complaint. 
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed.
Product: Vehicle loan or lease

I refinanced my auto loan from Flagship Credit Acceptance to XXXX   XXXX XXXX XXXX. The check was sent from XXXX XXXX on XX/XX/19 and  according to the USPS tracking number was received by Flagship Credit Acceptance at XXXX on XX/XX/19.  Upon checking my Flagship account on XX/XX/19 I noticed that the payoff check had not been applied. I called XXXX XXXX to verify the address the check was shipped to was correct and it was. I then called Flagship and got a rather nonchalant customer service agent who said there was no record of receiving the payoff check from XXXX XXXX. I then called XXXX XXXX and had one of their agents contact Flagship while I was on the line and suddenly they verified that the check had been received and the payment would be applied within the next few days ... however the check from XXXX XXXX was dated until XX/XX/2019. Today is XX/XX/19. This is a concern along with the fact I paid for GAP insurance which should be refunded upon car payoff but I'm not confident that Flagship will do the right thing and promptly send my refund.
Product: Credit card

3 instances I was charged incorrectly. 

1. XXXX XXXX {$500.00} ( I did not receive the goods ) 2. XXXX XXXX  {$800.00} ( THEY canceled my flight and promised a refund ) 3. XXXX ( car Company charged more than agreed amount ) I disputed with my UNITED card and every time even though I have all the documents and proof they say VISA denied it
Product: Debt collection

I have contacted Southwest Credit about sending me a written contract between me and the original company with my signature and date that I obtained this service. Unfortunately they have only sent me billing statements that doesnt even have my last name on it. I first contacted them in XXXX and they have yet to send me the contract. I would appreciate it if this debt could please come off my credit since they were unable to provide me with the contract from the original company.
Product: Checking or savings account

In XX/XX/XXXX, Bank of America ( BoA ) encouraged me to open a savings account because the fees would be waived since I had " Preferred Rewards. '' So I did. However, in XX/XX/XXXX when my savings account balance dropped below {$500.00}, I began to incur fees without warning ( note - I still maintained a balance in my connected BoA checking account of a few XXXX dollars ). When I realized that I had been charged an {$8.00} fee for XXXX months ( {$48.00} ), I contacted BoA ( transcript attached ) to explain why I was charged fees. BoA said that was charged the fees because it had dropped me from the Preferred Rewards program. However, BoA agreed to remove just three of the six charges ( {$24.00} ), leaving me to pay {$24.00} in " junk fees. ''