23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My CHASE XXXX Checking Account with Parent listed on account. 
On XX/XX/2022 a wire transfer was made from my account in the amount of {$25000.00}. 
On XX/XX/2022 a wire transfer was made from my account in the amount of {$200000.00}. 
Funds that were not available in my account were sent to another account. 
I was not notified of anything suspicious and my parent was not notified. 

On XX/XX/2022 a withdraw from a bank in Ohio was made in the amount of {$10000.00} On XX/XX/2022 a withdraw from a bank in Ohio was made in the amount of {$14000.00} Funds that were not available were withdrawn by someone and not verified by the bank prior. NO one notified me or my parent. 

I am now being told on XX/XX/2022 another wire transfer was sent from may account in the amount of {$110000.00} No one verified funds in the account? No one notified me or my parent?
Product: Debt collection

Collection on credit report I have no knowledge of agency. Never heard of. Tried to remove from credit report and asked to sign up credit protection programs. Always states updating dispute without any changes in status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
Product: Debt collection

I have disputed this debt multiple times and RECEIVABLE MANAGEMENT SERVICES LLC has never responded in any way. They have however verified the accounts to the credit bureaus. This is a direct violation of the FDCPA! Reporting an unverified and disputed debt is a violation of the FCRA. I shouldn't have to work this hard to get a correction made to a very inaccurate account! PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing, Inc has neglected and rejected all attempts to look at alternatives to foreclosure on my home on Friday, XX/XX/2022. I have provided documentation regarding the errors that Select Portfolio Servicing, Inc performed, and also requested documentation regarding servicing my mortgage loan. Also have requested documentation of investor guidelines suggesting that foreclosure alternatives are unavailable. Lastly, Select Portfolio Servicing, Inc has not responded to the Notice of Error or the Qualified Written Response ; however, they continue to press the foreclosure sale date of XX/XX/2022. 

I need immediate assistance from the CFPB to strongly suggest Select Portfolio Servicing , Inc stops the foreclosure sale. I am also in the process of requesting assistance from the Maryland XXXX of XXXX.
Product: Debt collection

I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in a debt repayment program with XXXX in XX/XX/2018. XXXX XXXX approved my payment amount and participation in the plan on XX/XX/2018. Since then I have made on time payments to XXXX, and through them to XXXX, but XXXX is reporting that Im 90 days late. I have contacted the company several times and received no assistance whatsoever, even though everyone Ive spoken with agrees that their records confirm what Ive said.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. XXXX is reporting XXXX while XXXX and Transunion are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- XXXX is reporting the date of the last activity as XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while XXXX and TransUnion are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

XXXX is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX XXXXXXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified mail out to Experian, XXXX, and XXXX regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Letters to

all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports.

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.
Product: Student loan

In early XX/XX/XXXXXXXX  I checked the status of my loans, which I do at least monthly and discovered that a paid off loan ( # XXXX ) had reappeared as active and at its original loan amount. Additionally, my two remaining accurate active loans ( # XXXX ) ballooned up in the amount owed. Looking further, the ballooned loan totals were because MOHELA removed my XXXX  electronic transfer payments from between XX/XX/XXXX and XX/XX/XXXX. These payments were visible in the MOHELA loan app the week prior. 

I contacted MOHELA on XX/XX/XXXX. They found my payments deep in their system and confirmed that although the payments were received and processed the credit was not applied to my account anymore ( causing the ballooned loan totals for the accurate-active two loans [ XXXX ] ). MOHELA also confirmed that their system shows complete pay off of the erroneously active loan ( # XXXX ), despite it being active and requirement payment again. They sent me a copy of the payoff letter for loan XXXX, as well as a few other previously paid off loans. 

On XX/XX/XXXX a resolutions rep looked at the XXXX XXXX XXXX XXXX XXXX and confirmed that MOHELA failed to notify the system of my loan payments in full. Therefore the national system is also not accurate. 

Since my initial call MOHELA has put erroneous loan ( # XXXX ) and accurate active loans ( # XXXX ) in payment ( federal injunction should have placed the accurate active loans on forbearance and the erroneous loan shouldn't exist ). Therefore, I am accruing interest and requiring payment on falsely inflated loan totals and I'm being forced to pay ( or be delinquent ) on a loan I paid off long ago. MOHELA is effectively stealing from me and risking negative affects to my credit and taxes. 

I've spoke to MOHELA on XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without resolution. They continue to tell me 7-14 days for full resolution without results. I've waited over 8 hours on hold during these times, costing me at my full-time employment. I would like to receive an accurate pay off total for the two accurately active loans and proof of full payment on all other loans. Additionally, I would like MOHELA to confirm that they have notified the National Student Loan Data System of my payment fulfillment and that they have notified my major credit bureaus of my fulfillment and loan closures. 

MOHELA 's negligence ( or worse ) in handling my loans is financially costing me directly in payments and potentially costing me through the negative affects of the impacts to my credit score and taxes. I've attempted to provide the information and reminders to MOHELA for them to remedy the issues and they fail to.
Product: Mortgage

On XX/XX/18 I sent a certified letter to BSI Financial to the attention of XXXX XXXX XXXX XXXXt. with supporting documentation questioning the amount of my payoff on my mortgage loan. I believe I was overcharged {XXXX} and sent supporting documentation supporting my assertion. The certified mail was received XX/XX/18 and I have never received a respond from BSI Financial. Additionally, BSI Financial is in violation of RESPA qualified written request rules.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I went to XXXX XXXXXXXX XXXX XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. Ally Financial, XXXX XXXX and XXXX XXXX also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other XXXX banks. I got a letter from the dealership but when I contacted Ally, XXXX and XXXX they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( Ally, XXXX XXXX XXXX ). I contacted all XXXX banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received XXXX mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.
Product: Checking or savings account

PayPal is constantly sending me emails about fraudulent accounts under my email address ; I have reported to them that I have never opened a account with PayPal and requested that they remove my email address from the accounts, the last one submitted to me was for a fraudulent transaction for XXXX in the amount of {$320.00}
Product: Debt collection

On XX/XX/2022, I received a letter from a debt collector about an unpaid balance from XXXX XXXX XXXX for {$130.00}. I responded within a few days asking for verification of debt which is my legal rights. I asked for a few verifications items which I never received. I asked for proof to show I agreed to pay what they say I owe ; when was the account purchased from alleged debtor, I asked for the company to prove the Statute of Limitations has not expired on this account ; I asked for license and registred agent ; and I asked to show me they are licensed to collect in my state. 

The company did not respond with any requested information, except a bill with my name. On XX/XX/2022. I responded by XXXX to Credence Resource Management that the account did not belong to me and they would have XXXX  days to prove it was my account, and not fraud. The company never responded. 

I also stated : " If your offices can provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. '' On XX/XX/2022, I received an alert about a negative mark on my credit from Credence Resource Management. 

This is clearly a violation of the Fair Credit Reporting Act, a violation of the Fair Debt Collection Practices Act, and defamation of character. I can legally bring suit for this violation and I am giving the company time to reconcile the wrongdoings before it causes any financial harm to my good name.
Product: Credit reporting or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. PLEASE UPDATE CORRECT AS CURRENT XXXX XXXX XXXX XXXX  STATE I WAS 30 DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX  STATE 30 DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated 30 days and XXXX XXXX  days and FXXXX XXXX days which is incorrect- can't be 30 days late each month please update ad current. 
XXXX XXXX  stated 30 days late, while XXXX and XXXX are current-Which is incorrect please update correctly as current. 
XXXXXXXX XXXXXXXX stated 30 days and XXXX are each 30 days late and XXXX and XXXX are current - Please update correctly XXXXXXXX XXXXXXXX stated 30 days late - while XXXX and XXXX are current -please update correctly XXXXXXXX XXXX stated 30 days late and XX/XX/XXXX, and XXXX Need updated as current as stated 30 days which is incorrect. 
XXXX and XX/XX/XXXX stated 60 days late which is incorrect, I show paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This account has incorrect information that is inaccurate, I want XXXX to delete this account due to so many errors on it. First is the date that the account was opened, second is the high credit amount and third is the date that the account was last active. By law this account must be reported 100 % correct and clearly this account isnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX The XXXX, XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX doing business as XXXX XXXX pulled Soft Credit Report Inquiries on XX/XX/21 & XX/XX/21, which lowered my credit score.
Product: Debt collection

Jefferson Capital is sending me notices for debt that does not belong to me. I have never ordered anything from XXXX.
Product: Student loan

I submit this complaint against my student loan servicer Navient because I am absolutely frustrated at this point and have lost faith in them as my student loan administrator. I would like them to delete all of the derogatory reports on my credit file for loans that are now in consolidation.     Over the years I have been in and out of school. There were times that my student loans were reported late while I was in school awaiting an in-school deferment to kick in, or while I was waiting for another type of deferment or forbearance to kick in. When I would call my student loan administrator they would always tell me that I have the option to just pay on the loans to keep from getting negatively reported on, so I would just wait until the deferment would kick in since that just wasnt an option while I was having financial difficulties. Not to mention, I was so confused by the different due dates on the different loans and the different amounts that were due.     I have reached out to Navient over the years regarding my best options on repayment and I was never told by Navient that I qualified for a consolidation. I thought that my credit wasnt good enough to qualify for a consolidation and expressed this concern to representatives in the past.   There were little to no options on forbearance, deferment, or lowered monthly payments with my personal student loan Navient services so when I had financial difficulties this loan defaulted.     Now, my student loans are being reported as  XXXX  derogatory accounts even though they have been consolidated. This looks horrible on my credit report. I have been working very hard to clean up my credit over the years, even after being laid off in  XXXX , and these derogatory accounts are pushing me back tremendously. I have recently applied for a refinance on my car note that is very high and was declined because of all of the late payments that show up on these accounts. The late payments on my student loan accounts are because I was either struggling to make the payments, confused as to which of my loans needed priority, and which were in or out of forbearance ; or I was in school and awaiting an in-school forbearance. I even tried to lower my overall monthly payments in  XXXX  and I dont believe I ever received a response from this request. I then, luckily, reached out to a friend who was going through a similar issue who told me to try a consolidation and that even with not so great credit she was approved. I called Navient and requested a consolidation and it was such an easy process. I really dont understand why I wasnt offered this option in the past?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX  - AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

When I applied for an Ally loan online on XX/XX/XXXX, I filled out the application form from their site : XXXX XXXX XXXX. The form stated : " What you should know : To comply with card network rules, we cant process payments from borrowers using a credit card beginning on XX/XX/XXXX. '' When I was approved for the loan, I emailed Ally customer care consultant on XX/XX/XXXX and asked if credit card payments can be made by XX/XX/XXXX. The customer representative confirmed credit cards are accepted for full payment and said to just call Ally before XXXX XXXX to make the payment. On XX/XX/XXXX, I called Ally billing to make the payment, but they refused even though I mentioned their website application stated the above quotation, ie. credit card payment by XXXX XXXX deadline. I logged onto Ally 's online account, which had a credit card selection that was disabled. I even emailed the billing agent the email conversation with Ally customer support from XX/XX/XXXX. They took down my phone number and said they would try to call back in 72 hours but they could not provide an answer to why their website application had the XXXX XXXX credit card payment option, but refused to accept payment when I called as instructed by Ally customer care.
Product: Mortgage

My mortgage has gone up XXXX dollars this year and they still cant give me a reason why. I had a steady rate with them.