23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX To : US Asset Management XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX Subject : Cease and Desist Demand Regarding Alleged Debt Re : XXXX To Whom It XXXX Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account number [ XXXX ]. Under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX ( c ), I am exercising my right to request that you stop all contact with me regarding this matter. 
If you believe this debt to be valid, I request that you provide : XXXX. Validation of the debtthat is, the actual accounting. 
XXXX. XXXX of their claim against you ; that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties, in a letter by certified mail so that there is an independent witness to it having been delivered. 
Until such verification is provided, I do not acknowledge any liability for this debt. 
The information provided was a 'Statement ' not a invoice, no contract was provided, and no contract can be provided because it is public information that I was in prison from XX/XX/XXXX to XX/XX/XXXX. 
Please be advised that any further communication from your agency, other than confirmation of compliance with this request or legal action as permitted by law, will be considered a violation of the FDCPA and XXXX result in legal action against your company. 
Thank you for your prompt attention to this matter. Please confirm in writing that you have received and will comply with this request. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm in the process of refinancing a home. I was overdue on one of my credit cards for the month of XXXX, where the credit card was over 30 days late. I brought the account current prior to the credit card company reporting the information to the credit bureau as late. 

I was told by a customer service representative that if I pay for it before it reports then it would not show on the credit report, and this was the case. Since I'm in the process of purchasing a home I've been a hawk about monitoring my credit report. For the month of XX/XX/XXXXthe credit reporting agency reported that my account with the credit card was current for the month of XXXX. 

However, in the month of XXXX the credit card company changed the information that was reported for the month of XXXX. My issue is that in the month of XXXX I began the refinance process and had a clean credit report. So I paid for an appraisal ( {$500.00} ) and to transfer the title of the property that I'm refinancing approximately ( {$1000.00} ). 

As the refinance process came to a close they bank is no longer willing to refinance the home due to the one late payment being reported by the credit card company ( see attachment ). 

My complaint is the fact the credit card company retrospectively updated the information, and if they never retrospectively updated the information I would not be out {$1500.00}. 

Additionally, I was proactive in reaching out to the credit card company detailing the issue on two occasions to no prevail ( see attached letters sent ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE
Product: Mortgage

I was sent a trial payment notice which started on XXXX XXXX for {$2500.00}. I sent it off on time, my next trial is due on XX/XX/XXXX, which is alre in the mail. I received an urgent notice of acceleration of mortgage loan payment due in full dated XX/XX/2024 for {$1100.00}. From my Knowledge of the statement dated XX/XX/2024 from XXXX third it stated to pay the amount on the last page which is the trial payment amount because we are participating in a special pending loan modification repayment plan. I am confused as to why I received this notice and I need help I dont understand I dont want to lose my home.
Product: Credit reporting or other personal consumer reports

I have been using Equifax for a while. I have been disputing things on my account that I never authorized or have any contracts or agreements with these agencies or companies, such as, collections, personal information that is not mines, and inquires that I didn't authorize. Every time I call, they say we are going to do our best to get this resolved and all the disputes say verified but no one has ever truly verified anything and I ask for removal and nothing happens. I called XXXX XXXX XXXX XXXX to address my concerns and my account all of a sudden being locked, get this stuff resolved with ongoing disputes for almost a year. The representative made me very uncomfortable asking for my full social security number and every piece of personal private information. I never had to give all that information before. I even verified my identity already with Equifax by uploading a picture of my ID though text authentication method. I stated that to the representative and he had no answer, I asked for a United States representative, he said he couldn't do that. I asked for a XXXX, I then connected with XXXX XXXXXXXX XXXX XXXX, XXXX of Equifax, explained her the situation about my account being locked and my disputes issues. XXXX asked for a picture copy of my social security card and my ID. I told her i feel uncomfortable because 1. they just had a major data breach, 2. I never have been asked for a picture of my social security card to verify my identity for a account such like Equifax. She never gave me a real answer, just keep saying small useless phrases. This is real unprofessional, funny activity, and every time I bring up the fair Credit Report Act, United States Code, and Consumer Credit report Act, the conversation turns into clown show. This is very tyrant like activity and these concerns have gone way beyond they time frames and bounds that 15 U.S. Code 1692g - Validation of debts, states in the law, but this stuff is still attached to my account hindering me from living my life how its supposed to be lived. I am very disgusted and overly ready for some real authentic results that are in concordance with the FCRA and United states Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello. I am a long-time XXXX XXXX XXXX  who is dealing with many mistakes from MOHELA that are preventing me from getting PSLF loan forgiveness. I have sent in all necessary paperwork, consolidated all loans, and recertified my qualifying employment each year for years. I have worked at this qualifying school since XXXX, and I have made more than the required 120 payments, so my loans should be forgiven. MOHELA has made mistakes and has delayed correcting them since my loans were transferred to them from XXXX. MOHELA and/or Federal Student Aid needs to remedy this mistake. My loans were marked as forgiven and closed, and then for no reason, they were reset to reflect only 10 qualifying payments. I should have been forgiven in XXXX. I ask that you please help remedy this situation as soon as possible. I want to continue to serve as a teacher, and I need this to be resolved for my own financial and personal well-being. Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation
Product: Credit card or prepaid card

On XX/XX/19, I issued a check to a contractor, XXXX XXXX in the amount of {$2900.00} from my Bank of America ( BA ) checking acct. in payment for some home improvements. In reviewing my online acct., I saw that BA processed the check for only {$29.00} which was {$2800.00} less than it should have processed. In speaking with the BA customer service dept. it was confirmed an error had been made by BA. I asked how long it would take to correct it and I was informed that it would take a while to research ( not the exact words ). Not wanting to delay payment to the contractor, I asked if I could let the {$29.00} debit to my account stand and charge the remaining {$2800.00} due to the contractor on my BA Cash Rewards credit card. The customer service rep. I spoke with said, " you can do that. '' I also knew in using the credit card I could obtain cash rewards so this looked like a viable solution. I notified the contractor and charged {$2800.00} using my BA cash rewards cards. Days later, BA made and adjustment and debited my checking account in the amt. of {$2800.00}. So there is a {$2800.00} debit to my checking and a {$2800.00} charge to my credit card. The contractor said that he only received one {$2800.00} payment as he uses an app called XXXX for writing estimates and  customer receipts only and does have an account with XXXX to receive customer payments. I have called BA numerous times ; depending on who I talk to, when I ask how long it will take to have {$2800.00} credited to my credit card account or put back into my checking account, I have heard different answers. I have spoken in person with the BA representative near my home and after he viewed my accounts he said that this is a credit card issue and he gave me a number for the credit card department One rep. said it would take 'two billing ' cycles to resolve this, one said, '30 calendar days ' and the last representative said it would take 120 days to look into the matter. Given the time I've spent waiting and my limited income, I can't afford to wait four months while BA look into the problem. My banking records are available to them. They have the contractor info. On XX/XX/19 I received an email from BA that said they are waiting to receive some information from me before they can proceed. I called and spoke to a representative and informed her that I had not received a request from BA and she said, the request was mailed to you yesterday. '' I asked her " How could BA expect me to respond to a request that they just made the day before? and she replied, '' That is the way they do business. '' Please help!
Product: Credit reporting

I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent
Product: Debt collection

I'm actually attempting to resolve this debt collection by working with the debt collector to resolve the matter AS THEY SEE FIT. They have been avoiding me and refuse to work with me to deal with this debt and clean up my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute everything on my files everything that I had on my folders from years ago it really does stick with you, so what Im trying to do is to clean up my file weather I have to dispute. Theres things on my file that need to be cleaned up. It doesnt need to be on my file Im trying to clean up my credit and this is the only way I know how to go about it so please if theres anything you can do on your end, I would appreciate it. If theres any other information I need to submit or anything please let me know and Ill submit it ASAP. Thank you very much. I just want my life back Im XXXX XXXX XXXX and cant do nothing. Ive been married for 32 years and cant do a XXXX thing. I cant take this its either this or my life but ones Got ta give. Thank you.
Product: Credit card

I received a fraud alert on XX/XX/2024 on my Citizens Bank credit card, which locked my card. However, this also resulted in my card being removed from the online credit card portal on Citizen Bank 's website, and I haven't been able to add it back. I have a bill due on XX/XX/2024, but am unable to make the payment online since the card has been removed. 

I called customer service, which redirected me to the fraud department, and they asked me to go to a branch to verify my identity in order to remove the lock on my card. I agree with the fraud alert, but this is inconvenient for me. The agents at the fraud department also agreed that a fraud alert should not result in a card getting removed from my online credit card portal, since this removes important information I would need to pay my credit card bill, as well as an essential means to do so.
Product: Vehicle loan or lease

This information is incorrect and should be removed from my report. 
CREDIT ACCEPTANCE CORPORATION XXXXXX/XX/XXXXXXXX, MI XXXX XXXX They have payment being late 10 times and no payment amount. The vehicle was paid off. This credit needs to stop harassing me and correct the information being inaccurately sent to all the credit bureaus
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

HAD A BAD XXXX LAST YEAR AND WAS XXXX, WAITING ON SETTLEMENT. WAS GIVEN A GOVERNMENT COUPON TO PAY HOUSE, BUT BANK WOULD NOT TALK TO ME TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. This matter concerns student loans ( account number XXXX ) taken out for me by my father, XXXX XXXX ( deceased as of XX/XX/XXXX ). The lender is the U.S. Department of Education, and the servicer is XXXX. The loans are " Parent Plus '' loans, with a total amount ( principal and interest ) of {$34000.00}. This amount appears on credit reports issued by Equifax, XXXX, and XXXX  for me, XXXX XXXX. The amount was supposed to have been removed due to my father 's status as XXXX  ( XXXX XXXX XXXX   XXXX ) ; this status was initiated in XXXX. The issue occurred because in XXXX, my father overlooked renewing his XXXX  status with XXXX, which caused the loan to revert to active status. 

Due to my father 's failure to renew his XXXX  status with XXXX, in XXXX of XXXX the loan amount of {$34000.00} appeared on my credit reports issued by Equifax, XXXX, and XXXX, DESPITE my having submitted to XXXX on XX/XX/XXXX, my father 's death certificate ( see attached document ). Please assist me in removing the {$34000.00} loan amount from my Equifax, XXXX, and XXXX  credit reports. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020-Discovered I was paying a surcharge on my policy because I was deemed at fault based only on the cost of damages after my low deduction that I paid more for. XXXX told me to call LEXISNEXIS after I got the accident report from the police department and pulled my drivers record. 1st call XX/XX/20 went through the automated phone menu-suppose to receive something 5 to 7 days later. Nothing. Asked XXXX for the report # thinking it would help and made 2nd call XX/XX/20 and again got nothing. There is no option to talk to anyone and are given 2 websites so fast I had to call several times to get it. Again nothing. Called XXXX  yesterday and they just told me that they can change my policy if I can just get them to change their report. 3rd call today. I have basically had to pay for all damages in raised rates for something I didn't do.
Product: Money transfer, virtual currency, or money service

Wells Fargo allowed third party transaction to post while my card was locked. Ive had several conversations with technical support and Wells Fargo reps about the issue with no resolve.
Product: Credit reporting

There are accounts that are not mine on my credit report. I am being punished for accounts that are not mine but are counting negatively. I have let the credit bureau no and have received no help.
Product: Debt collection

The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
Product: Mortgage

Hello! I have had a VA mortgage with XXXX XXXX for the past several years. I had absolutely no problem with their customer service and was always on time with my payments. XXXX sent a letter in XXXX letting me know that my loan would be transferred to LoanCare as of XXXX. I work in the XXXX industry so understand this is a normal practice. 
In late XX/XX/XXXX I prepaid my XXXX property and school taxes to my county ( ~ {$7500.00} ) and called XXXX mortgage to let them know not to make the XX/XX/XXXX payment and to inquire if I could decline an escrow account going forward since I have had my loan for more than 12 months, have made timely payments, and am ~55 % LTV . The agent explained that I can decline escrow however LoanCare would begin servicing my loan on XX/XX/XXXX so it was best to wait until then to take action. 
This began a 2 week odyssey of trying to get information from LoanCare on my mortgage loan. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the computer service either gave me an odd busy signal or hung up on me while I waited on hold. I called again on XX/XX/XXXX and after waiting on hold for 15 minutes for a customer service agent, was told that LoanCare had not processed my loan into the system yet and it could take a few weeks. When I asked if I could be moved up the priority list because of my escrow questions/information i was told there is no way to do that and to call back a week later and it would probably be in the system. In the meanwhile I have been going on the website with my loan # and social security # to see if my loan is entered and everytime i try I get the error message " no records found. '' I called again today ( 1 week later ) twice and both times, after sitting on hold for 10 minutes, the computer system voice told me to enter my phone number and someone would call me back. 
This is the worst customer service I have ever experienced. There are several issues here : 1 ) I have not made a mortgage payment yet for XXXX and am not going to send the $ until I know that they have possession of my loan in the system and accurate records. 
2 ) I do not want them to make a payment on my property/school taxes due on XXXX because i have already paid. If they make the payment it 's a financial loss to me and a lot of time on my end to try to have my county refund the payment. 
3 ) I have been waiting for weeks to have my escrow account turned off, the money in the account returned, and my new payment calculated. This is $ $ $ that LoanCare is earning interest on and I am not. 
4 ) I have a right to my full loan information and 2 weeks have gone by where I can not access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for COVID forbearance with XXXX XXXX XXXX XXXX initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance. 

When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and XXXX & XXXX XXXX reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX. 

XXXX XXXX XXXX XXXX incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with XXXX XXXX XXXX XXXX, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a XXXX forbearance processed and no payments made on the account until XX/XX/XXXX. 

Since my account was on COVID forbearance and I have proof of that request, I advised XXXX XXXX XXXX XXXX that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.