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

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX Account XXXX : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

XXXX following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young  daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX XXXX  unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as XXXX State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX
Product: Credit card

I am college student and been in college for 4 years. I will graduate from college in XXXX 2016. I have XXXX credit cards with synchrony bank. When I applied for the cards it was GE. I have been able to pay the cards up until last year. I tried several times to enroll in credit protection with synchrony bank and was denied. They did n't offer it to me when I applied and when they changed banks. I am currently unemployed due to illness. I have been unable to get any help from synchrony bank and they have sent me to collection. I really need help with this issue because this has hinder my credit.
Product: Debt collection

My son, XXXX XXXX, is behind on his truck payment with Ally Financial. Since they can not reach him, Ally has been calling me daily even though they was told twice XXXX after several months of constant calls and now twice in XXXX to not call me. I have explained that this is not XXXX number and that I do not wish to be called at this number, asking to please make note of this and remove my number from their system. Even after such request, I have still received calls and want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my credit report from XXXX. It shows that an individual credit card from SYNCB/PPMC was opened in my name in 2012, was allowed to go into delinquency, and was shut down. I did not open this account. This ding on my record is preventing me from getting a loan for car and home.
Product: Credit reporting or other personal consumer reports

which I believe are the result of the recent data breach involving XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to request the removal of any credit inquiries made without my authorization, particularly when they stem from fraudulent activities, including identity theft due to a data breach.

I understand that the FCRA, Section 1681c-2 grants consumers the right to request a review and removal of credit inquiries resulting from identity theft or unauthorized access. I also request that you take action under the FCRA, Section 1681e and Section 1681i, which require the prompt investigation and correction of any inaccurate or unverifiable information on my credit report. 

The XXXX XXXX data breach, which exposed my personal and financial information, has led to several unauthorized credit inquiries being made in my name. I have reason to believe these inquiries were made without my consent, and therefore, they violate my rights under the FCRA and must be removed. 
Due to this beech An individual went into XXXX XXXX XXXX XXXX and applied for multiple car loans and the dealierahip ran my credit at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all fraudulent inquires. 

And these addresses are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I have received a document on XX/XX/year> from the loan servicer Mohela, titled " Your Student Loans Have Been Placed into A Forbearance. '' The document noted that " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' I did not apply for the forbearance as it was directed by XXXX, the Department of Education. 
The interest rate has also been set to 0.000 % on my loan details page. From that point on, I haven't been making payments as my loans are in forbearance and interests are set to 0.000 %. 

Yet I have received a document on XX/XX/year>, titled " Interest Accrual During Forbearance ''. It still shows I have 0.000 % interest on all my loans yet says interests are accrued and unpaid. There are currently {$89.00} of interest accrued as of XX/XX/year>. 
This is also nowhere to be found on the loan details page on their website, but only in the document that Mohela sent. 

I hope this will be addressed, as I do believe this is an extremely dishonest action from the loan servicer.
Product: Student loan

We have written through your organization three times about this student loan. KHEAA has had a lien on our Federal Tax return for 19 years. We feel this loan is paid in full. Through your organization, they agreed the loan was paid in full ( XX/XX/20 ) and the lien would be removed ( XX/XX/20 ). We asked them to send us a letter stating those results. They claim it was sent on XX/XX/XXXX ( XX/XX/20 ). We're now on XX/XX/XXXX. No letter has been received, and it doesn't take a month to get a letter from Kentucky to Illinois!!! 

In addition, believing their responses in good faith, we filed our tax return. Today I received a letter from the IRS stating that our tax return money went to KHEAA - DUE TO A LIEN THAT WAS SUPPOSED TO BE REMOVED!!! 

It is obvious that this organization is lying to you and us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and XXXX " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had checked my credit report, in regards to working on improving my credit and Ive noticed some things on my credit report were complete and accurate and some things reported I did not recognize. In XXXX I filled a dispute-in regards to these accounts and I notified them that this is not my account. After waiting 30 days they notified me that the accounts in question were accurate and verified. I did not agree with that and filed a XXXX dispute in XXXX requesting evidence to support there claim. Once again they gave me the same response without any type of evidence to support there claim. These accounts are not mine and im requesting them to be removed. I would like to know how they verified these accounts. 

The following accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a negative balance of - {$2800.00} on my account and despite TEN ( yes TEN ) requests to zero out my balance, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over 2+ weeks now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi.
Product: Debt collection

The nature of my concern : XXXX XXXX XXXX XXXX received and cashed payments ( {$1600.00} ) for over two years and did not post the payments to the account. instead, they stole my money and placed my account into collections deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.
Product: Debt collection

Before any of this happened I got a call asking for my personal information without them sharing the company name or why they were calling. I said I dont feel comfortable without knowing who I am talking to. They still refused to tell me so I hung up and recalled the number and it was southwest credit systems. 
All from this year of XXXX XXXX XXXX  -Wednesday - XXXX XXXX XXXX XXXX XXXX XXXX Thursday - XXXX XXXX XXXX Thursday- XXXX XXXX XXXX Friday - XXXX XXXX XXXX Tuesday XXXX Spoke to them on Thursday XX/XX/XXXX XXXX for 25min I verbally asked them to send a letter for debt validation which I never received ( they said they sent one, not true ) and a request for the amount they claim I owe. They said they would send that out to my address and they confirmed my address. They kept saying that if I paid today it wouldnt damage my credit score and that if I waited I would be sent to the credit bureau. In response i said I was not going to pay a debt that very well may not be mine and that I dont even have proof of debt. 
They have since called me from numbers XXXX ( XXXX ) XXXX on XX/XX/XXXX and XXXX ( XXXX ) XXXX on XX/XX/XXXX a Saturday And again on Sunday XX/XX/XXXX XXXX ( XXXX ) XXXX I did look up and they are not supposed to contact me for a few days after initial contact, right? 
XX/XX/XXXX @ XXXX XXXX Called again XXXX @ XXXX on XX/XX/XXXX Again XX/XX/XXXX same number at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX at XXXX XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX @ XXXX Im sure come Monday Ill have more calls to add to the list. That is another thing that goes against the fdcpa rules, correct? 
Ive been dealing with constant calls. And I dont even know if this debt is mine.
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 be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Product: Money transfer, virtual currency, or money service

Money that was not refunded like it was supposed to Purchases I didnt make and filed a complaint and they said it would take 45 days but never heard anything back
Product: Debt collection

I have been submitted to debt collection due to a debt owed by the last owner of my house. The collection is for a cemetery in XXXX XXXX that I have never spoken to that only speaks XXXX. In addition, the communication from the agency is only in XXXX and I can not communicate or understand what the issue is. This is not my debt and is therefore harassment as I have told them that I am not associated with the debt. 

The person with the debt is deceased and no longer lives at the property as I am the second owner of the house. 

Please ask this company to remove me from there list and notify the issuing party that this is not my debt. Making false claims is illegal.
Product: Debt collection

Provide me with the full original contract with my wet ink signature & the full purchase agreement & proof that you own this debt or remove this debt account that say I owe you off my XXXX & XXXX
Product: Mortgage

My husband and I closed on a house on XXXX XXXX, 2016 with Mortgage Lenders of America. They notified us about one month after closing that our flood insurance is not federally backed. It is privately backed, which apparently means they are unable to sell off our loan. They sent us the very first statement for our loan, and have not sent anything since. Every month I have paid using my bank 's online bill pay service, but I have no idea that it is being received, or how it is being credited to the account ( I have been paying extra each month ). I understand that they are in the business of closing loans to sell them, but this is an error on their part. There was a delay in closing specifically regarding the need to purchase flood insurance, and what we purchased was cleared by Mortgage Lenders of America for closing. This seems to be in direct violation of the Periodic Statement Rule. I sent an email to our loan officer, XXXX, requesting a monthly mortgage statement to confirm payments and proper allocation of additional funds to principal. This was the response that I received from him : " I told you that we do not have the capacity to service your loan. And is why we needed the FEMA certified flood insurance. To get this sold to the investor to take care of you. I have no idea but will send this on to see if we have been getting them. If you could please provide us with FEMA certified flood insurance we can get this sold and you will get all the payment coupons and a place to pay online and all the things most people have with their mortgage company. 

Thank you, XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America '' As consumers, we did everything they requested of us in order to purchase our home and I feel we have a right to receive mortgage statements and/or payment coupons, and also, basic customer service from the company that holds our mortgage.
Product: Payday loan, title loan, or personal loan

I took out a payday loan for {$500.00} ; however, I fell on hard times and was unable to pay the funds back
Product: Credit reporting or other personal consumer reports

Sent letters to the 3 credit bureau and XXXX XXXX  stating that they were reporting inaccurate information on my credit report. I also uploaded a letter showing that I paid off my vehicle and the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

Navient account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness XXXX account XXXX thats not my account a shouldnt be in my credit report XXXX XXXX account XXXX. I reported the card loss to XXXX XXXX in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have formally disputed inaccuracies in my credit report directly with the credit bureaus. However, instead of rectifying the errors, MoneyLion has reported additional incorrect information. Consequently, there are now demonstrably false entries in my credit report. This situation suggests either a lack of proper record-keeping on their part or a deliberate attempt to misreport information, potentially to deter challenges to their inadequate record management. 

The reported date of the first major delinquency as XX/XX/XXXX is incorrect. The loan in question was discharged in XX/XX/XXXX under XXXX XXXX XXXX, as evidenced by Exhibit 1. Additionally, comments have been added to my report with other bureaus stating that the debt was settled and paid in full for less than owed, which is inaccurate. The debt was discharged in XXXX XXXX XXXXXXXX and was never settled prior.
Product: Mortgage

Hello, On or about XX/XX/2020 an automatic/recurring payment triggered, transferring {$500.00} from our joint checking account directly to TCF Bank. At the time, we only owed a small amount of interest in the amount of {$34.00}. This resulted in an over-payment of {$460.00}, which is owed back to us, the borrowers. 

I called TCF and explained the issue and was told that a check was being issued to us for the overage. The check never arrived and upon calling a second time, I was told that we had to wait 90 days to receive a newly issued check due to " company policy. '' I explained how this was unfair and that the bank would not similarly allow us the borrowers to miss a payment obligation for three months without charging interest or fees. I asked that the issue be escalated and I was told that I would receive a call back ( I never did ). 

Yesterday ( XX/XX/2020 ), I called back to yet again inquire about the funds owed to us. After waiting on hold for 42 minutes, the customer service rep could not locate any of these prior discussions in their system and had to connect with a back office function ( I assume Accounts Payable ). I was told that I would receive a call back within 24 hours once they accessed an old system. I have not received a call as of the time of this CFPB complaint. 

I will soon be closing out this HELOC entirely, in large part due to this experience. I want to make sure that I receive the money owed before that happens. It's been over three months since this occurred and it's particularly egregious to withhold close to {$500.00} given world events and the economy. 

The attached statement shows that we had no principal balance and a " principal adjustment '' of + {$460.00}. 

Thanks for your consideration and assistance in resolving this matter.
Product: Debt collection

I had purchased a XXXX XXXX protection plan effective date XXXX/XXXX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX.wich would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.
Product: Debt collection

I was delinquent in paying a debt to XXXX XXXX XXXX XXXX for an emergency ambulance ride. Incidentally, I did call the Fire Department directly shortly after the date of service and attempted to pay over the phone. At that time, they did not have an electronic system in place to accept payment via debit/credit card and requested that I send in a check, which I did not do. I called back last month and attempted to pay the debt directly to them and they advised that they had already sent the account to collections with National Business Factors. 
As the debt was sent to National Business Factors , Inc., I was contacted via writing by them. Within ten days of receiving their collection letter, I contacted National Business Factors , Inc. directly and paid the original debt in its entirety. I refused to pay the interest as I did not enter into a contract with National Business Factors , Inc. and felt I had paid the bill completely. The bill from XXXX XXXX XXXX XXXX was for {$350.00} and on XXXX/XXXX/2015, this amount was paid to National Business Factors , Inc. 
I continued ( and still do ) to receive phone calls and letters from the collection agency threatening to ruin my credit if I do not pay the interest, which they report continues to accrue daily. 
I have contacted the collection agency on numerous occasions citing my belief that legally I do no owe this debt as I have not entered into a contract with them, therefore they can not charge me this interest. I have consulted the internet and state laws to learn that I am not legally responsible for this debt. They are aggressive with me when I attempt to communicate with them and continue to threaten my credit worthiness. 
The amount in question is only {$25.00}, though that compounds daily so is likely higher at this point. I am protesting out of principle, certainly not out of inability to pay the amount. I disagree with their collections tactics and do n't feel I owe this debt. 
Is it legal for a XXXX party collection agency to hold me responsible to them for their interest after the debt has already been paid off completely? And continue to compound the debt after the original debt has been paid? 

I 've attempted to attach supporting documents such as the original bill as well as evidence of payment and letters from National Business Factors but this system will not allow PDF files to be uploaded - I tired XXXX times and it freezes the system. I 'm happy to provide documentation if requested via email attachment.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.