23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Freedom Mortgage and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX  NOTICE OF MOTION FOR RELIEF FROM AUTOMATICSTAY AND ABANDONMENT OF PROPERTY, PROVISION DIRECTING RESPONSE THERETO, AND SETTING HEARING ON OBJECTIONS, IF ANY Court was to be XX/XX/XXXX, at XXXX The Trustee in Bankruptcy Objected to the Motion and to bring proof on the date in question and no proof was given and so the attorneys above withdraw their motion and came after me in civil court. with a different attorney XXXX XXXX XXXX XXXX and XXXX XXXX date filed XX/XX/XXXX because Trustee was going to take the home and sell it and pay the Creditor Freedom Mortgage money due, they refused and had the attorneys withdraw. This is not my Debt I have a letter from them that I'm not a party of interest nor Heir or relative to borrower { Ex-Wife } I'm not a cosigner/co borrower, not on Home, not on Taxes, not an Executor of Estate, nor successor, nor Deed/Title on nothing. I'm an Ex-Wife Divorced 27 years ago in XXXX and we went our separate ways, I didn't live with the Deceased I was XXXX miles away in a different county, never knew he had a home, and today a server came and smacked papers in my hands for a lawsuit from freedom mortgage because the Bankruptcy didn't work. If plain A didn't work do B I was told by the FTC and CFPB that the parties above can't come after me and EX WIFE and they are, and Freedom Mortgage took no for an answer. they have been lying to all parties.to get at me like they said sorry but I'm not responsible for his debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my XX/XX/XXXX report. Ive contacted XX/XX/XXXX and they say they cant remove it, only credit collection services can. Credit collection services says only XX/XX/XXXX can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my XX/XX/XXXX credit report.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting

RE : Credit Inquiries Experian Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Portfolio recovery associates call me, sent letters. Furnished CRA 's with false misleading inaccurate information, balances, times. And reported collections which letters stated this is not a attempt to collect a debt, corroborated with XXXX XXXXXXXX XXXX XXXX and sent me bill 's and letters which I never seen before and opened accounts in my name. Without any contracts. I disputed everything and it's reported collections, and now new letters stating they are collecting a debt that they don't or are not entitled to. Unfair practices. Shameful company. Computer generated correspondence. Improper investigations. Violations repeatedly with no regards to the chaos and financial burden they caused me. See : law suits articles
Product: Mortgage

I am working with United Mortgage for more than seven months to get my payment lower, for far the same papers that i have been submitting they are asking for again and this is how its been for the pass seven months.I have fax these papers over and over and to my surprise they keep requesting the same items. I am trying to explain to the mortgage company that my bank statement with XXXX XXXX is now XXXX, I feel the mortgage company is looking for a way to take my home not to help me keep it. I have come to understand the bank looks for ways to take your home not to work with you to save it.
Product: Student loan

I applied to FedLoan to consolidate and achieve forgiveness on my FFEL loans. Consolidation was complete in XXXX and I submitted my employer certification form shortly after also in XXXX. I re-submitted the same form again in XXXX because there has been no movement. Im reading that people that applied for forgiveness after me have received forgiveness and nearly 5 months later I dont even have payment counts. They are not reviewing cases in order. I called in XXXX and was told it could take 120 days from the forgiveness application. Its been more than 120 days.
Product: Vehicle loan or lease

On XX/XX/XXXX we requested the payoff from GM financial and we sent the payoff amount to an interested party who was buying our truck. He said he wanted the truck and he was going to wire the money to pay off our amount of {$39000.00} but we were asking XXXX. We talked to GM financial representatives. They said they would cut us a check for the overage we talked to them several times, they said our account would show processing then posted and then account closed when the account was closed we could handover the vehicle. On XX/XX/XXXX, our account showed processing. On XX/XX/XXXX Our account showed paid in full on XX/XX/XXXX it showed a balance of XXXX and the account closed. On that same day, the man came and got the truck. during those days we contacted GM multiple times talk to representatives making sure that this was a good process. It was and it was posted and the account was paid for enclosed. They assured it was fine. Three days later we check the account and it showed we owed XXXX again now our world is turned upside down as have signed the truck over and now they say we owe this money! we would have never signed our title over and handed that truck over if GM financial had told us that The payment was still pending, but they did not tell us that we can not pay this as I just retired after 35 years with my job we were downsizing. Thats the reason why I was selling the truck! we immediately called and filed a police report that we had been scammed by this person who said he was wiring the money to GM financial which he did but what we understand from GM financial that it was reversed or I dont know how that would work, but thats what they said. we have a police report and we have documentation showing that GM financial said our account was closed paid in full and XXXX XXXX  even showed the account closed. We feel that GM financial did not protect us. They failed us and we can not pay this.!! Please Help!!
Product: Credit card or prepaid card

Bank of America keeps charging me late fees on my account. 
I am XXXX and can not afford to continue to pay Bank of American late fees. 
Bank of America failed to send me a paper statement and tried to pay my bill. 

I notice there is a late fee on my account and I reached out to bank of America to ask to remove the late payment, the late fee occurred because BoA fails to send me my paper statement.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

received a billing statement from Military Star for {$6900.00}. I have never had an account with this company. I filed an action with identitytheft.gov on XX/XX/2020 and sent Military Star a disputed account letter but haven't received any response from them
Product: Checking or savings account

I did not authorize an increase in my insurance premium filed a claim for {$760.00} ; I have to wait 10 days per bank also there's an unauthorized {$140.00} against my account had to file another claim with an out of country service company in XXXX
Product: Debt collection

This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD. To my understanding the debt was charged off and it wasnt to my knowledge until 2021. This account from my knowledge is from TEXAS. Ive only lived in the state of California.
Product: Student loan

I aquired about {$34000.00} in federal student loans with Nel Net, from attending XXXX XXXX and after consulting with a Credit Repair Attorney and Credit Analyst, I learned that I have XXXX accounts with Nel Net. Each account is showing that I have 10 late payments, with a total of 90 late payments combined. They are showing on my credit report as negative accounts and it is heavily impacting me and my credit. I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company kept on reporting my payments as late payments to the credit bureau in XXXX, XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), XXXX ( 120 days late ), and in XXXX XXXX- ( 120 days late ) and again in XXXX XXXX- ( 90 days late ), XXXX- ( 120 days late ), XXXX- ( 90 days late ), XXXX- ( 120 days late ). I placed my loans on forbearance a few times and each time I would do so, I would place my loans in forbearance status over the phone with a representative because I did not have immediate access to a fax machine or computer. I would also ask what I needed to do on my end to make sure I wouldn't fall into a negative status and their response was to continue to call back. 
Nel Net did correct some negative reports and I really appreciate what they did but after learning of the new negative reports, I am asking and begging Nel Net to please remove the negative reports off of my credit. It is really impacting me personally and mentally, there is a very high chance that I will need to move out of my curent home with my children and move into a relatives home because I can't afford to pay a high deposit rate due to my credit that is being impacted by the negative reports from Nel Net.

I've asked Nel Net to please help me out and they state they can't do anything for me but to file a dispute with them. They also stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation.
Product: Student loan

MOHELA is listing my payment due incorrectly and is not acknowledging federal guidelines. In XX/XX/2023, my loans were managed by XXXX and were ~ {$50.00}. My loans transferred in XXXX and all payment amounts since have been grossly incorrect. Initially I was quoted to pay more than {$4000.00}. My NSDLS file supported the payment amount of ~ {$50.00}. I was notified of this payment less than a week prior to needing to pay. Conversations revealed the payment would have to move forward regardless of action I would take. Request was made to return to the XXXX amount paid the month prior but was told that information would have to be retrieved from XXXX. Account was placed in forbearance but not before i was charged the {$4000.00} payment. The next communication I received was end of XXXX stating my payments were decreased to just over {$1700.00}. Conversations throughout XXXX did not provide information for how the new amount was determined. I was told the return to previous XXXX amount was still being considered during these conversations. It was not until XX/XX/XXXX that someone was able to escalate my request. I was not informed until end of XXXX after calling in several additional times that the request was denied XX/XX/XXXX because I apparently submitted an IDR renewal in XX/XX/2023 prior to transferring to Mohela. This application apparently confirmed the new amount of {$1700.00}. I never submitted that request and based on Studentaid.gov the last IDR application was submitted XXXX reporting a $ XXXX income which would generate a near $ XXXX payment for me on my existing PAYE payment plan given my household size. Throughout this my anniversary date is XXXX of each year which can be confirmed on my initial NSLDS file and so I should be allowed to keep this same payment through the end of this year given COVID recertification protocol outlined on studentaid.gov. Please help me understand why I am an exception to these federal guidelines.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is violating my rights they have not provided validation Information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights, and I'm entitled to {$1000.00} for every violation I listed below they pay me or delete these inaccurate accounts within 15 days.

Receivable Management Se Date opened XX/XX/year> Account {$620.00} No Debt Validation letter was provided to me by this company a full investigation was also not done they gave me an answer within in 2days which was not enough time to do a full investigation, so they have violated my consumer rights, and I demand this account be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these accounts : 1. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts at trying to resolve this matter with both creditor and reporting agency, my attempts have come to no avail. I've had to file an identity theft report to support my claim, and hopefully remove the incorrect, erroneous information from my credit report. I've called Equifax XXXX XXXX on several occasions and even with this information being incorrect, they can not remove it because a creditor has told them not to. Not only am I a victim of identity theft, neither Equifax, XXXX or the original creditor were able to furnish documents barring my signature. On XX/XX/2022, I sent Equifax XXXX XXXX a dispute letter, and a copy of my FTC identity theft report. I've waited the four business days and haven't received any communication whatsoever. This is my final attempt before pursuing litigation. 

XXXX ( XXXX XXXX XXXX ) has continued to report an account to the major credit bureaus that's not mine. This account clearly has adverse information making it clear that this account was fraudulently created. 

Attached is the original report with the original report number along with an additional report.
Product: Mortgage

I had difficulties making ends meet and paying the mortgage since my mother was moved to a XXXX. I contacted the bank to try and reduce our monthly payments years in advance which was approved but the second time around they are telling me a different story and my calls to the banking institution was handles by individuals that provided enough information to identify them but their case notes are n't on file.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting

There are several severe mistakes on my credit report for Medical Bills. 
I have not been to these Hospitals or medical facilities and I believe I have had fraudulent charges! 
The only hospital I have been seen at is in XXXX XXXX. This is the only medial report I actually claim is mine. 
I am aware that the XXXX XXXX XXXX and XXXX XXXX and responsibly mine. 
I am certainly concerned and need a prompt response regarding this situation as I have now found out why I carry such poor credit!
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section XXXX A. States I have the right to Privacy. 15 U.S.C 1681 section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

I want these removed they are affecting me buying a house and my person law because these are fraudulent