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

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX COLLECT XXXX Date Opened : XX/XX/19 Balance : {$100.00}
Product: Credit card or prepaid card

I called first digital on XX/XX/2022 to close my acct. she said she would. The next day I spoke to supervisor named XXXX who assured me the acct would be closed and it takes 3-5 days. I called back on XX/XX/2022 because when I went online it showed a balance due ( which was the annual fee the reason I was closing the acct ). Supervisor XXXX said my balance was XXXX but the acct was still open. She said she was going to close the acct but couldnt explain why when I looked at my acct online it showed a balance due. 
I just want to close this account because I no longer want to pay an annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : XXXX XXXX XXXX XXXX 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

Debt Collector is a third party asset buyer. They are not the real party in interest to this debt. I did not receive and benefit from this debt collector involving this debt. I do not a contract with this debt collector to collect this debt. I do not have a duty to pay this debt collector for this debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/year>. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

A payment of XXXX $ has disappeared from my payment history on the edfinancial website even though the credit was taken out of my account. Since Ive made this payment on XX/XX/XXXX of XXXX additional interest has accumulated. The confirmation number was XXXX. After talking to edfinancial customer service it appeared they had no clue what happened to my money.
Product: Student loan

Im on the Public Service Loan Forgiveness Plan, and am about to be eligible for forgiveness in XX/XX/year>. 

Mohela has been fine at handling my loans with the exception of two forced / unauthorized forbearances that drew out my payments for longer periods of time. Each time I asked to be removed from the forbearances I was told theyd put in a request and it would be removed. It never was. Thats complaint # XXXX. 

Complaint # XXXX is that since Mohela transferred whatever they transferred to StudentAid.gov, no one knows whats going on. I received 3 different XXXX-inducing letters about my payments going up and autopay changing dates etc. I also received info that my forgiveness eligibility date is 5 months PAST the date Im actually eligible based on payment counts and prior communication from Mohela. 

I called Mohela after receiving this info and was on hold for almost an hour before someone told me I had to call StudentAid.gov since it was PSLF related. Then I called StudentAid.gov who told me to deal with my loan servicer. NO ONE WILL HELP ME.

Im very concerned about my status and DO NOT want to overpay these corrupt companies - I want confirmation of my final payment month for this year and I want confirmation that I can apply for forgiveness THAT MONTH and be done with this nightmare. 

No one seems to be able to give me any accurate information! This is unacceptable!
Product: Vehicle loan or lease

I gave back a XXXX XXXX XXXX back in XX/XX/XXXX to XXXX of XXXX XXXX. It was given back as a early lease return. Never heard anything back from the finance company, which is Toyota Motor Leasing. I saw on my credit bureau that it is showing as open and current. That I am paying as agreed. That is false. It specifically states that the last payment was made in XX/XX/XXXX. I haven't made a payment since XX/XX/XXXX when the vehicle was returned. This makes it look like I am still driving the vehicle and making current payments. When I contacted Toyota Motor to have them fix the information being reported, they stated that the account is no longer their 's. They sold it to a collection company by the name of XXXX XXXX XXXX XXXX. Never heard of these people. Toyota said that in their records this account is closed and that they can not speak to me at all about it. I have to contact XXXX XXXX I stated to them that if they sold the account to a collection company then how can they still report it as being open and lie saying that I am currently making payments. They stated that would contact the credit bureus to reflect the account as being closed, not open. I asked then to send me the proof. A cancelled check. A debit card payment. Any proof to show that I have been making payments. They never did because it is not true. I have did numerous disputes through all XXXX bureaus to fix this problem. The credit bureaus didn't understand neither why it's showing as open and Pays as Agreed '' when it specifically states last payment made was XX/XX/XXXX. Even that is wrong because the vehicle was given back in XX/XX/XXXX. I need someone to help me. It seems like nobody wants to help the consumer. The creditors are always right even when they are wrong. The credit bureaus don't request any proof when sending disputes. They just send the dispute. Even if the creditor responds back as accurate, they don't ask for proof. So it's like the creditors are correct at all means. This is why there is so much fraud going on. This is why I had a fraud alert put on my bureaus because someone used my information and the credit bureaus did nothing about it. Till this day Toyota has not sent the proof that I am currently making payments. They last reported on XX/XX/XXXX that I made a payment on XX/XX/XXXX. I would like if someone can help me. I have sent over 4 disputes through all 3 credit bureaus. Toyota keeps denying and reporting that I am still making payment. But will not send me proof nor send proof to the credit bureaus. This false information is hindering my life. How can Toyota and XXXX XXXX try to get money from me for the same account. If Toyota sold the account to the collections company then it should be showing as closed on the bureaus, not open. Because it's not open. It should not be showing current payments being made because the last payment was in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : THE GOLDEN ONE CREDIT UNION Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Debt collection

I received a phone call from Southwest Credit Systems regarding a debt that was in my name and owed to XXXX XXXX XXXX XXXX. I had to request that they send me a notice in writing as they had not at that point. 

When I received the notice, I submitted a debt validation request listing the items needed to validate the debt. Southwest Credit Systems sent me a final bill with an address in which I did NOT have service as service is NOT offered by XXXX XXXX XXXX XXXX in this area. Before the debt validation time elapsed, Southwest Credit Systems placed this item on my credit report, unverified. I responded to their " final bill '' stating that this was NOT considered validation of the debt and to cease collection efforts and remove credit bureau listings. They have failed to do so and they have failed to respond. 

They have now violated my consumer rights, the Texas Business Code, FDCPA and the FCRA. A final bill is NOT considered debt validation.
Product: Debt collection

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to our mortgage company reporting late payments while in Forbearance. We entered Forbearance in XX/XX/XXXX after my husband lost his job in XXXX to COVID restrictions, the company went out of business. We began making our payments in XXXX and asked to end our forbearance. We agreed from the start to roll our missed payments to the end of our note, per the rules stated in the CARES Act. I called & spoke with our mortgage company at least every 7 to 10 days to see when our paperwork would go through ; each time the recording or team member would tell me that our home was protected by the CARES Act : it would not be reported to our credit, our home was protected from foreclosure and that you do not have to make a house payment while in forbearance. 
I received paperwork at the beginning of XXXX and much to my surprise it was for refinancing our home for 30 years at a wonderful interest rate. I called and spoke to a team member and explained that we were not interested in a 30 yr. mortgage and that we wanted what we agreed upon to begin with back in XXXX. She stated that the refinance was implemented in the CARES program to lower monthly payments and that she would put in the request to roll our payments to the end but it would be another 3 to 4 weeks until I should expect them in the mail. 
We began looking for refinancing on our home for a 10-year fixed rate because the interest rates had dropped so low. We had a credit score of 750s or so I thought, I checked our scores and they were XXXX & XXXX, I was told that until our forbearance ended that they could not begin refinancing paperwork ( CARES Act rules ) and that our credit had to be a XXXX or above and that the interest rate was higher with scores this low. 
I received our house paperwork and had to have it signed, notarized & postmarked by XX/XX/XXXX. It was done and completed. So my problem is my credit is ruined because my mortgage holder did not follow the guidelines and we have lost out on a chance to save thousands of dollars in interest on our home/farm. 
I have filed a dispute with XXXX, XXXX and XXXX on this matter and also wrote to the mortgage company about this matter.
Product: Checking or savings account

Truist closed my business checking account. And they have refused to give me the balnce of the account after closure. This is criminal and illegal and they no right to hold on to funds that do not belong to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.
Product: Debt collection

{$790.00} account dating back to 2020 on credit report. Fraudulent information reporting on my credit report, have requested the original information several times and have not received it, with my wet signature. Account does not belong to me. I did not give permission for this company to furnish any information to my credit report, nor should any fraudulent accounts be reported under my name.
Product: Student loan

I currently have around XXXX in debt. I have both federal and non federal student loans. I have tried multiple times to contact Navient because the payment options were just to high for me. I am currently making payments however those payments are only interest and that 's {$750.00} a month no including payments i cant afford that are under forbearance which will soon be ending. I will never be able to pay the actual loan itself with the interest rates the way they are. Navient claims to offer tons of ways for them to help you lower your payments or to try and find something that works for you but as I/ve noticed they really do n't care and are totally fine with the idea that i will continue to pay {$750.00} a month and not see a dent ever in the actual amount I owe. I have had deferments and forbearance 's in the past which I am no longer even allowed or offered with the private loans but when it was offered the representatives at Navient were always quick to offer one of those options instead of just finding out what I could afford to pay. Its all or nothing with them which makes it very difficult for someone who 's middle class. The school I attended for college is now shut down and from my experience with others that attended this school all of whom are drowning in debt from going to school there. The financial aid department there was a joke and was never clear about anything. I believe tons of students there got into way more then they agreed upon and will not be paying for the rest of their life. I think that there should be more help for people like myself that are TRYING to make payments and want to get it resolved versus doing nothing. The school name was The XXXX located in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my XXXX card a few years ago reported it to them and closed my account they continue stating I owe a balance. I have attached 2 files Ive only have 1 account with XXXX 1 report states I owe {$510.00} since 2015 and the other shows Ive made all payments on time.
Product: Debt collection

Credit collection service at XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX First of all these insurance companies do this making it impossible to get a fair rate it's sort of like insider trading we're going to say didn't pay his bill put it on his credit report and then we can cause him to have a higher rate because of what we put on his credit report fraud at its finest. 
XXXX made me pay my past due policy in full before they ever gave me my new motorcycle policy in XXXX of 2023. I have no clue why XXXX  sent this to them. However, XXXX  and this credit collection bureau are now liable I want this removed from my account immediately. Because it is blatant fraud against me.
Product: Debt collection

I got an email from my payroll dept regarding a wage garnishment. The company Biltt and Gaines, P.C.  located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
Product: Student loan

Multiple student loan entries from Navient, routinely reporting erroneous information including, not reporting deferment status on all loans, varying interest rates, and other false information resulting in high debt to credit ratio, even though in deferment. In addition, I am a XXXX service-connected XXXX veteran. I am in a documented financial hardship position on the verge of homelessness. Navient has been unresponsive in answering my questions and guiding me to options pertaining to financial hardship and debilitating injuries rendering me unemployable. I
Product: Mortgage

XXXX XXXX, XX/XX/2015RE : XXXX XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXXConsumer Financial Protection BureauSir/ Madam : Good morning from XXXX XXXX XXXX Connecticut and thank you for reading this. 
In the effort to pay off our total mortgage balance of {$6500.00} XX/XX/XXXX, we made an additional payment of {$2000.00} to the $ XXXX amount for Escrow we were told was short, with a note requesting that the extra {$2000.00} be applied to the Principal. 

Days later, I contacted Suntrust over the telephone and inquired what the balance was so we can proceed with paying off the total mortgage expecting the amount to be {$4500.00} because of the {$2000.00} additional that should have been applied to the principal. 

I should point out by the way that we are enrolled in their automatic monthly payment. 

In any event, during that telephone conversation, I was informed that the amount was still {$6500.00} and when I asked how that could be, when we had made an additional {$2000.00} extra to the principal, she said " let me put you on hold and I 'll check '' and shortly thereafter said yes it should have and then apologized and assured me that it would be corrected immediately. 

Believing what I was told I waited several more days before contacting Suntrust again and to my astonishment was informed that the amount was still the same ( {$6500.00} ) and when I asked how that could be since I just spoke with someone days before and was assured it would be corrected, she apologized and said it would be done and to call back after XXXX days. 

I did XXXX more times after that. 

Over all and in a span of a month and a half at which point I have made XXXX ( maybe even XXXX ) telephone conversation with a CS representative, I would essentially be told the same story. 
That they are sorry and it would be corrected immediately. 

In fact sometime early this month I was contacted by someone at Suntrust who told me to request for an " escalation '' to resolve the problem. Imagine that. 

Considering Suntrust is a XXXX dollar corporation this unusual " mistake '' can not be coincidental, which prompted me to write to their CEO accusing his company of engaging in fraudulent practice because maximizing the interest payment is about the only sensible conclusion that would explain what we had encountered. 
Sincerely, XXXX XXXX ( I am the husband )
Product: Checking or savings account

On XXXX I purchased a XXXXXXXX XXXX On my credit report it shows Inquiries I did not approved. The company I purchased from has its own financial institution. They were the only ones allowed to inquire my credit. I work for the USPS. My ID # is XXXX. My XXXX is XXXX. My work email is XXXX. I experienced Identity theft at my job. I had an inheritance of. XXXX My Supervisor XXXX manage to use my email and deposited with the money on a shared account with out my knowledge. She had the help of other employees with control and access to the computer system. I faced her with the facts and she responded, '' there is nothing you could do about it. '' I have complained to the Postal inspector general, the police, consumer affairs to no avail. I send tips to the FBI. No answer. Yet I keep on getting threats from my co- workers and strangers on the street because Somehow they have to access my phone to get to the funds. Since this was done without my permission, I locked my phone. I have been denied of any information regarding my inheritance. US bank is the only bank that provides shared accounts. I contacted them. Apparently the account was placed under a USPS corporate shared account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a letter to Chase Credit Card Division Customer Service informing them that this would be the last month they could deduct a payment from my XXXX XXXX XXXX account. I  told them that beginning XX/XX/XXXX, they would be in Debt Consolidation under my attorney XXXX XXXX XXXX. 
Chase chose to ignore my letter and took three payments out of my checking account with XXXX XXXX XXXX. I reported this to my bank with supporting documents and Chase denied knowing they were in Debt Consolidation. This is After receipt of my letter and my lawyer placing them in the program. 
XXXX XXXX XXXX gave me a temporary credit but took it back because Chase stated they knew nothing about being in Debt Consolidation which is just crazy. I mailed a letter and called them in reference to this matter. Now Chase is refusing to refund my money even though they have been in Debt Consolidation since the beginning of the year. I am a senior citizen on a fixed budget and have suffered greatly from this whole situation. I would Never do business with Chase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 30 days and the creditor has not updated information nor provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the late payments on my credit report under federal law they have 30 days to complete investigation and by failing to do so the item must be deleted as soon as possible.