23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, My XXXX accounts are showing that there are late payments on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and this is showing inaccurate. I had a forbearance at the time and these dates are over XXXX XXXX XXXX and should not be reporting anyway. Please delete these account because this is affecting my ability to apply for credit. 
XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This was sent to Nationstar Mortgage on XXXX/XXXX/2015, and to date I have received no response. 

Attention Nationstar Mortgage Customer Service : Subject : Loan Number XXXXXXXXXXThis is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : My loan was recently transferred from XXXX to Nationstar Mortgage effective XXXX XXXX, 2015. The loan was set up as a bi-weekly payment through XXXX at no additional charges to me, the customer. In addition, my next scheduled payment was due on XXXX/XXXX/2015. I received an email welcoming me to Nationstar and requesting that I register online to view my account. After registering online with Nationstar, I noticed my account 's next scheduled due date was pushed out to XXXX/XXXX/2015, my loan was no longer set up as a bi-weekly payment but rather was now on a monthly payment schedule, and my automatic payment was no longer in place. 
I called Nationstar customer services and was told that Nationstar does not support bi-weekly mortgage payments. After asking to speak with a customer service representative, of whom I spoke with both XXXX and XXXX, I was told the same thing, that Nationstar does not feel the term of my loan was altered in any way. I was also told that I could sign up through a third party vendor called XXXX XXXX at a cost to me, and they could provide the bi-weekly payment processing. I explained to both XXXX and XXXX that if I was not paying for a bi-weekly mortgage before, why should I have to start paying for XXXX now that my loan is serviced through Nationstar. 
I have attempted several times to work with Nationstar to resolve the bi-weekly payment situation with phone calls to Nationstar 's customer service department. However I was told that there is nothing Nationstar can do to correctly process my loan as a bi-weekly payment without an additional fee paid by me, which I am unwilling to do, because my loan prior to Nationstar handled the bi-weekly payment schedule without any fees. In addition, when a loan is moved from XXXX service provider to another, the automatic payment processing should also be properly converted over. Asking the customer to re-set up the ACH processing is minor, but the conversion to the new provider should be seamless. 
I can be reached at ( XXXX ) XXXX day or night in case a customer service representative wishes to contact me. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within XXXX business days. 
This correspondence is also being sent to : United States Department of Housing and Urban DevelopmentOffice of RESPA and Interstate Land SalesXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXSincerely, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is Fraud. I did not give anyone Authorization to open any accounts using my personal Information i am a victim of Identity Theft
Product: Credit card or prepaid card

I had 4 1/2 appointments with XXXX XXXX and have the email documentation to show this. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to get medical help but the XXXX XXXX tech utilized harassment and intimidation through other jobs to make sure I was unable to get medical help. I tried since XX/XX/XXXX to email XXXX XXXX and tried their corporate to receive no resolution. They may have even allowed other people to come in under my name or for free. I worked hard after divorce/abuse in XXXX to raise my credit score from XXXX to a XXXX. My goal is an 800. I pay to fortiva lending as agreed for the retail credit card. One payment I submitted on time in XXXX of XXXX but it wasnt processed till XXXX XXXX  and they charged a late fee though it appeared to be a technical issue of 4 hours. Now that Im asking for help to get money refunded for what I havent used fortiva is neglecting to help and just keeps transferring reps. They were told that ideal image used an unqualified/unlicensed tech and when I reviewed Ohio codes they should be licensed in Ohio. Fortiva is also aware I was assaulted in XXXX XXXX business, then further harassed and intimidated. Can you please find a way to help so I can not effect my credit score badly and not make payments to a place where Im not receiving service and was injured. Its making the trauma related to this worse! 

Ally lending seems to be helping unlike fortiva. I am hoping this report helps to ensure I do t get hurt further.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s )  {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently filed identity theft, and have retrieved FTC report. There are unauthorized inquiries on my account that I do not recognize. 

It seems my credit was fraudulently, and ran without my consent to multiple companies for the purpose of an auto loan. 

I have not given my wet signature authorizing any company to access my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.
Product: Student loan

I had a previous complaint # XXXX and the response given was just a runaround that I have been hearing for months. I want a way to contact XXXX XXXX XXXX without going through AES.  There is no way to contact them directly, I would like their phone number.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  : # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have reached out for months to try and get a differal on my mortgage since I lost my job and was going to have to move from XXXX to XXXX they never gave me any information and said I had to be over 3 months delinquent before they would even consider giving me an application for any assistance. So I then tried for months to get the loss mitigation packet to start the application for a deed-in-lieu of foreclosure. I was then told I cant cause Im not 3 months delinquent. They are purposely pushing me into financial hardship
Product: Student loan

I have worked with NELNET since 2011 to resolve a complaint I have regarding their servicing of my loan while making payments under an Income Based Repayment Plan under the Public Service Loan Forgiveness Program. NelNet continues to maintain that I consolidated my loans and any payments prior to consolidation do not count towards the PSLF program. I have asked to see the contract where I agreed to forfeit PSLF payments in exchange for consolidation and they are unable to produce it. I believe they operated in bad faith when consolidating my loans without obtaining my permission to forfeit almost a year 's worth of PSLF payments. My new loan servicer has been honest and operated in good faith. As such, I believe this to be a deceptive business practice of NelNet and/or the Dept of Education that is hurting students who are making regular payments under an Income Based Repayment Plan while working with vulnerable populations under the PSLF program. I would like for my payments made to NelNet to count towards PSLF like I was told they would. I do not need NelNet to call me and tell me the exact same thing they have told me XXXX or more times over the past years. I need someone to hold them accountable for their deceptive and abusive loan servicing practices. Thank you, XXXX XXXX
Product: Mortgage

Please help me at Caliber Home Loans. everyone I speak to is trying to help but simply can not provide the necessary info. I need to have a simple letter / email drafted by your company saying one of the Lein mortgages ( one filed incorrectly by Caliber ) will be released from docs already submitted to and by you and even sent to me via an agent of yours. I am on day 18 of being in contact with your single point of contact and even a level 2 Mgr ( XXXX XXXX XXXX ) who is by the way amazing! ) Everyone seems to be doing all they can but no one is owning this. I dont understand how hard it can be to simply write an email to me explaining one of the mortgages above was and will be released? I just left the hospital and is still under doctors care, in bereavement, unable to work, going thru potential divorce, trying to close out a home after simply using your Covid forbearance Im at wits end. And I have worked within XXXX XXXX  for years at the XXXX and XXXX level. I cant imagine if this was someone else. By the way, kudos to your agents/ reps/ mgmt etc who tried all they could but simply were not able to provide a statement that caliber even plans to release the partial claim leins filed under FHA case in XX/XX/2021 and XX/XX/2021.
Product: Payday loan, title loan, personal loan, or advance loan

They told me they charged it off. but they want me to give them {$300.00}. because they car was in my name. but he got the loans. this is past XXXX years ago. 

They company is Lone Star Title Loans XXXX they call from this number But text me today also from this number XXXX name say XXXX from loan star title my ex name was XXXX XXXX XXXX. they cant reach him
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXSubmitted Dispute to TransUnion and provided proof from verification source. 
XXXXContinue to ignore proof and have error remain.
Product: Debt collection

I cancelled my XXXX XXXX membership and the amount owed is incorrect. The collection agency reported the wrong amount to the credit bureaus without confirming the dispute amount with XXXX XXXX   without my knowledge. First Credit Services
Product: Credit reporting or other personal consumer reports

My credit report is still showing I owe a balance of {$2700.00} which is incorrect and these accounts are impacting my credit score. Upon my request these accounts are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My issue is with my Capital One Credit card. They reported me as a payment Late for the month XX/XX/XXXX and XX/XX/XXXX. The problem is that I set up automatic Payments back XX/XX/XXXX, on the mobile app. This was confirmed on my Moblie device. Keep in mind this credit card balance was {$380.00}, and I've never been late. So come XX/XX/XXXX, I get an alert saying My credit report had some changes. So check it, and find out XXXX XXXX had reported two months late. So I dispute this with all Credit bureaus and received the month of XX/XX/XXXX removed as a late payment. They will not remove XX/XX/XXXX, which is part of the same dispute. The investigation that XXXX  XXXX launched hasn't been fair and they continue to report wrong information to the credit bureaus. The customer service rep confirmed my story and assured me cap one would fix this, but nothing has happened
Product: Debt collection

Last Wednesday, XX/XX/XXXX at XXXX XXXX, my parents were contacted about my supposed " debt ''. I have already disputed this account and the fraudulent charges NUMEROUS times with no resolution. After each complaint I am promised that the account and charges will be deleted from my " account '' and credit report from Comenity Bank. I am getting very tired of the harassing calls and letters from this company. Now they are contacting my parents stating that they need to be in contact with me or my attorney. I am not sure where this is going, but contacting my family is off limits. I have never submitted any of my family 's information. After my complaint with the CFPB back in XX/XX/2019, I was told by Comenity that this account would be deleted and I would not have any further calls from them. I haven't received any calls, but why start calling my parents? I will repeat again, for about the 5th time to Comenity Bank, I DO NOT OWE THIS BILL AND HAVE NO KNOWLEDGE OF THE SUPPOSED CHARGES ON THIS ACCOUNT!!!! This is not fair debt collection tactics. I have disputed this on CFPB 3 times now and 3 times with the credit bureaus. Enough is enough!!!
Product: Credit reporting or other personal consumer reports

I dispute some items on my report and it took well over 45 days in which I had to call about this issue. Once called that stated to me that sometimes agencies can have more time to prove accuracy. I asked where is this stated because I have never seen nor heard of this before. After about another 2 days I received an email stating my dispute was completed and info was accurate. I than called and asked for the info on how this item was proved correct. NEVER RECEIVED ANYTHING
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Equifax must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

Credit bureaus have me as a charge off from XXXX there is nothing owed to this account
Product: Mortgage

On XX/XX/year>, an automated payment was returned to me, I instructed the mortgage company specifically to debit my account that they had on record to apply the monthly payment that was returned. The mortgage company erroneously applied the payment to an account that did not exist. This caused my account to be late and accumulated various fees, such as late, attorney, etc. which is causing me a major hardship. I was called by someone from customer services to address the issue, however, I was rudely treated and was unable to resolve the situation. The mortgage company stopped deducting my monthly payments on this account several months ago and it has caused me further hardship.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I paid my account off months ago and still reporting with a large balance which isn't so.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXXXXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I purchased an item from a Business XXXX, using my PayPal credit card, the amount is {$1600.00}, in the first part of the Month of XX/XX/XXXX, the merchandise showed up delivered at my door broken/damaged, the following day I contacted the seller via email, to let them know of the damaged item, and that I will be shipping it back to them, he asked me to email photos of the damaged item to assist him in getting an insurance claim going with XXXX, I forwarded the pictures to him, I then called XXXX and had them come to my home inspect the damaged item and return to the sender, the XXXX  tracking return # is XXXX, XXXX  sent me an email stating that on XX/XX/XXXX the package was received and signed for by XXXX XXXX XXXX XXXX. XXXX TN at XXXX. I was assured by the seller that he refunded my {$1600.00}, back to my account, I have not received credit from Synchrony Bank/Paypal , I have made a total of 7 disputes starting from XX/XX/XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX, and my latest dispute was on XX/XX/XXXX, Synchrony Bank/PayPal refuses to refund my money, credit back my credit card account, most recently my credit report shows a 30 day late on my account, my credit score prior to was a XXXX score now it is a XXXX.
Product: Credit card

XX/XX/24 My regular payment was made via XXXX XXXX XX/XX/24 I went online and paid off the card using the current balance not the statement balance of {$390.00}. At that time I removed the auto payments. 
I received a notice that the account was paid and closed On Saturday XX/XX/24 I received a statement notice that my account was past due and I now owed {$34.00}. This is a late fee and interest. 
How can you charge interest and late fees on a closed account? 
I called customer service and they said there is nothing they can do on a closed account. This is a XXXX card, XXXX  is a now closed company and the bank Comenity Capital Bank that is now handling their close out is not handling things very well.
Product: Payday loan, title loan, or personal loan

I contacted Money Key regarding my account number is XXXX. I explained that my main bank checking account listed with Money Key was hacked by ID thieves. I was informed by law enforcement to file a report with the Police, Texas  Attorney General office, and Consumer Finance Protection Board. I have no way to make my final payment right now pending this investigation and reestablishing my direct deposit from my XXXX pension fund. Is there any way that Money Key could give me an extension on this final payment without reporting it as a negative entry to my already decimated credit profile? If you need me to compete an affidavit please send me the link or document via email, XXXX. Here are the report numbers for verification and to place a collections suppression order on this account *XXXX Police Department 's Economic Crimes Unit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   *OAG/Federal Trade Commission Affidavit , # XXXX *Consumer Financial Protection Bureau , # XXXX
Product: Credit card

American Express illegally refilled me for fraudulent charges from XXXX related to products that were returned. I supplied extensive documentation to Amex and XXXX including XXXX 's OWN E-MAILS acknowledging the returns and guaranteeing credits, credits which were never issued.
Product: Vehicle loan or lease

Wells Fargo consistently over charged me throughout the auto loan agreement. I requested a payment extension and it was confirmed by a representative. Almost a year later, I discovered it was not on my account. As a result they ended up repossessing my vehicle. I paid to get it back. They never apologized or addressed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.