23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company is claiming I didn't make the payment. My bank shows payment was made and provided a confirmation number. 

This is what the lender said : Good afternoon Ms. XXXX, As we discussed on the phone, we have not seen your first loan payment. 



I can see on my system that the first payment of {$1300.00} was due on XX/XX/XXXX. I can also see that the first payment actually belongs to Megastar. Subsequent payments beginning XX/XX/2018 belong to XXXX XXXX. 



At this hour I do not see that we have received your first payment. I have copied Ms. XXXX XXXX on this email. She is very familiar with depositing receipts. She will be able to confirm when we receive your check and how your check will be applied to your loan. 



In the event your payment is for more than the required payment of {$1300.00} we will forward the excess funds to XXXX XXXX, referencing their loan number XXXX. 



As I said on the phone, we are real good at receiving, depositing and allocating our deposits. XXXX will reach out to you tomorrow to confirm the above and provide us with more information. 



Your attention to your loan is appreciated. 



XXXX XXXX XXXX Assistant Controller MegaStar Holdings XXXX XXXX XXXX XXXX, CO XXXX Direct : XXXX Main : XXXX XXXX XXXX
Product: Credit card or prepaid card

need to get c r for XXXX did not rec the card for which i was chg a fee
Product: Vehicle loan or lease

Veros Credit LLC hired XXXX XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. The thing is I have never done any business with any of these companies. I have my title and my registration, I purchased this car from a private seller. 

I contacted the XXXX XXXX Sheriff 's Department and they asked to to call XXXX XXXX to fix the issue, however XXXX XXXX and Veros is yelling at me and not helping to fix the situation. 

I have bought this car legally and registered it, I rented this car through XXXX and Veros stole the car from my customer. 

Seeking assistance to solve this issue and get my car back. 

Thank you
Product: Student loan

Two loans through Navient doubled due to accrued interest. Went from XXXX to XXXX. I 've asked for a lower payment, but I do n't meet the income continent plans. They do n't take into account other students loans, house payment, car payment, etc. They are rude, unwilling to help, and should be held accountable for misleading practices concerning accrued interest.
Product: Payday loan, title loan, personal loan, or advance loan

Took a personal loan for an emergency. The amount was {$1000.00}. I knew I would be repaying it before the first month was due to avoid paying additional interest. 
The repayment option I requested was the shortest amount possible, 3 months. When the loan was explained the customer service rep was explaining everything as fast as they could to avoid being questioned. When questioned they were very confrontational. When signing the loan, the terms and conditions were not presented prior to signing, there was only a digital signature requested but no details to review. The loan was put into an 18 month repayment period with withdraws from my account every 15 days. I noticed that when my first installment was withdraw from my account 15 days after requesting it for {$310.00} dlls.

After further reviewing the details after the first installment was withdrawn, realized the APR for the loan was 688.40 % and the total cost for the loan would be {$4500.00} for a {$1000.00} loan which was unthinkable when I requested this service. I made a payment in full to close this loan. I have read and was very aware of these types of practices affecting consumers but I never imagined the amounts charge would be this astronomical. Services like this should be banned and dismantled as they only hurt the customers using them. I can not stress this enough, this company must be banned from operating and hurting more customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX OF XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { XXXX XXXX } XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXXXXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Debt collection

Real Time Resolutions is reporting that I owe them for a 2nd mortgage that was released when the property in question went into foreclosure in XXXX. Their communication with my attorney was 'they 're looking into it. ' We have been attempting to get copies of any paperwork they have -- they have been looking into it since of XXXX. I am purchasing a home and have been delaying the purchase based on their erroneous reporting. Please assist in fixing ASAP. I need to provide a home for my kids. My credit is perfect outside of this company. Per my attorney -- it looks as if they've reported this without proof of paperwork. Please assist. 

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

XX/XX/2017 XXXX XXXX XXXX  bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but Equifax has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have never given any credit reporting companies permission to report UNDER LAW FRCA SECTION 605B. I wish to have all reports on my name erased
Product: Credit card or prepaid card

Dispute with Prosper XXXX XXXX reference # XXXX spoke to representative regarding merchant interest fees account. I did not realize I was paying interest for the balance per month of the card. I closed the account today in hopes that I could work an arrangement out towards the purchases I have made. They are unwilling to work with me to make these payments. I would like to see if the company would allow me to pay my balance without the interest considering the account is closed and the card will no longer be used. It is so terribly sad for individuals who are trying to fix their credit are milked and prodded to where roughly XXXX gets applied to the account balance. If this is the case maybe a best practice for the credit card company would be to say here is your minimum due, please select the interest pay option to pay an additional amount towards your balance. For example, if the minimum is {$30.00} and the interest is {$21.00} within the payment option it should have {$51.00} to pay so that at least the {$30.00} you paid goes towards the credit card account balance.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I've been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There systems were compromised, and there are hard inquiries on there that arent mine. And the discharged like my Bancruptcy, its fully discharged. Also my child support is paid and closed since XXXX. They refuse to take it off saying they confirmed it but cant show me how they confirmed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by Equifax, XXXX, XXXX and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

Pressler and Pressler have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XXXX XXXX. I requested a copy of the signed contract with XXXX, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XXXX and Pressler and Pressler ( XXXX XXXX ) filed a Writ of Revival on XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, Pressler and Pressler have recently been fined {$1.00} XXXX for these illegal activities. On XXXX XXXX, 2016, XXXX XXXX created a new docket number and filed my social security number at the XXXX County courthouse. XXXX & XXXX never withdrew their " entry of appearance ''. On XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. Pressler and Pressler personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the NJ court house. XXXX XXXX has been noted in a recent XXXX Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a New Jersey law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for a vehicle, and for some reason they seem to do more then what they told me. I have so many inquires on my report that it is ridiculous. I am trying to reestablish, my credit and they are not making it any better, I was mislead by these car dealers, They told me it will be a soft pull on a couple and it ended up being. this all started on XX/XX/2019 to XX/XX/2019 will not do this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother opened cc from XXXX XXXX XXXX without my knolege disputed thinking mistake sinvestigation said application card bill came my address well yes it did i lived with her 20yrs she has done this grandma stile checks grandma my dad now me i only found iut was her she died 2 accts XXXX XXXX and XXXX XXXX in her purse with all my info and also on my phone she had XXXX  app her name my info all u have do push button on app my phone gave info no knolege she ruined my credit after taking care her its fraud she was alive id press charges XXXX limited income feel like no where turn they made me believe was family im responsible uodate calked paid service fee XXXX XXXX to remove it from all3 repirts and waive fraudalint chg only got lettder for payment delete over 70 calls 2yrs threats police talk heard threats on phone callingXXXX toXXXX am XXXX at my exs kids so they wont answe when i call tell my name hang up
Product: Debt collection

I received notifications to my XXXX XXXX XXXX, and XXXX report that my credit has decreased by XXXX points due to TRANSWORLD SYSTEM INC has flagged your account as collections on XXXX XXXX, 2024. I called the number that was on file for the company and they didnt want to give me information without processing a XXXX XXXX fee. So I went back on my XXXX acct and found that it is originally from a XXXX XXXX XXXX XXXX for the amount of XXXX. I do not recall opening any type of account with them or in that amount, therefore I believe it is fraud. Ive never had late or missed payments my credit has been in good standing until now, due to this unknown account.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized addresses/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

Dept. of education is reporting inaccurate information on behalf of my credit report and this company needs to be removed off my credit immediately. All 3 agencies has inaccurate information inaccurate Month ( terms ), payment status, Date late active and credit limit
Product: Debt collection

I called company and set up payment arrangements on past due amount, It was agreed that I would make payment to catch up and continue service. account still sent to collections without call. I receive notice from dept collector and I would like to look into this company license to collect in state of Florida as of my statement date, because according to what I have looked up they have no information for XXXX on Florida secretary website. I made payment arrangements with company in XXXX of XX/XX/XXXXso my account should not have went to collections at all this fast before I can honor the arrangement, so why am I getting a statement dated XX/XX/XXXX, when did my account go into collections and why was I able to make payment arrangements with the original company to continue my service if this was the case? Is this agency able to collect in Florida as of XX/XX/XXXX? I would like someone to look into this.
Product: Bank account or service

My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that you block and delete all accounts and inquiries associated with this breach from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Specifically, I am requesting the following action : XXXX. XXXX Account ( XXXX ) ** Opened on XX/XX/XXXX with a balance of {$XXXX}. 
XXXX. XXXX from XXXX Dated XX/XX/XXXX.
Product: Student loan

I have been struggling to make payments on my Navient private student loans, which were taken out between XXXX and XXXX for my XXXX education and thus have the typical high and variable interest rates forced upon students who needed private loans to fill gaps in their educational financing before the recession. 

I am a XXXX  student  who makes $ XXXX on average with my position as a XXXX XXXX. Navient only offers 5 years of forbearance for XXXX  school. However, my XXXX  program takes on average 7 years to complete. My current monthly payments of around {$540.00} are completely unaffordable with my salary, and they will continue to be unaffordable until I XXXX  in XXXX  years. 

I have called and spoken with Navient officials numerous times since my loans went back into repayment to try to figure out how to lower my payments. Since I have " maxed out my forbearances, '' the only option Navient continues to offer me is a 6-month short-term interest-only repayment plan. While these payments were initially affordable at around $ XXXX, they have continuously increased alongside the LIBOR rate and have become unaffordable.

Today, I called with the intention of scraping my bank account to make the {$380.00} interest-only payment I was quoted two days ago on XXXX XXXX, only to find out this payment has increased to {$390.00} with today 's LIBOR rate and is now unaffordable. Despite giving several financial statements to Navient which have clearly shown I can not afford these payments, Navient offers me no other options. 

I have kept my account current with Navient for the past 14 years. Even during 2 years when I was a XXXX XXXX volunteer and making $ XXXX, I saved enough and emptied my savings to make on-time payments. I calculated that I've payed around $ XXXX to Navient over these 14 years, only to see my balance increase from $ XXXX to $ XXXX. Because of these payments, I have no savings, a $ XXXX balance on my credit card, and more public loans as I need to take them out to afford to live while making private loan payments. 

I have shaped my whole life in order to afford my student loan payments while still acquiring my XXXX. I have no car, the cheapest possible studio apartment available in the city in which I live, and yet still I am struggling to survive. I have no idea, if I didn't have this debt, if I might have aspirations to own a home, get married, or a family. I only know that Navient has shown me that those dreams are impossible. What is Navient gaining by scraping every cent that I own? Yet I am the one who contemplates XXXX. I know I am not alone in this struggle with predatory private lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( NATIONAL CREDIT ADJUST XXXX, NATIONAL CREDIT ADJUST XXXX )
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 
These are clear violations of my federally protected consumer rights.
Product: Debt collection

Car insurance companies are reporting accounts that are paid off. I have paid these in full. And I am still insured with the company. I would need to back the t=debt back before they would insure me again. Please remove this this is an error harming my credit severely.
Product: Mortgage

I received an email on XX/XX/XXXX that my temporary forbearance was ending to make my XXXX payments and the 3 months would be added to the end of my loan to show it current. I did that they have still not shown me out of forbearance and I need to refinance I work for a major airline and will have to take a pay cut in XXXX. I have spent hours and hours and even gone to a branch and they tell me its being taken care of and its still not. Im afraid to make against payment work it still showing me in forbearance. I need them to show the 3 missed payments at the end of my loan so I can refinance which I currently am on the process. I feel they are doing this so we cant refinance and we are stuck. I have had a mortgage with them for over 20 years and Im in dire stress to get this done due to my pay cut I in XXXX to keep my job with an airline for over 23 years. Please help
Product: Checking or savings account

JP Morgan had a contract with the State of Tennessee up until XXXX. This contract was for JP Morgan to handle and distribute all child support payments that the state received. I was paid over {$2400.00} from my childs mother and never received it. I have called both XXXX  XXXX and JP Morgan more times than I can count. Both parties place the blame on the other. Neither have found my money.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.