23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

1 ) My company matches me on my contributions to my student loans via a company called XXXX. XXXX mails out checks on my behalf to Mohela, which includes the match and my payment from my paychecks. 
When Mohela switched platforms in XXXX XXXX XXXX, Mohela entered the first payment via check that I made as part of a previous loan XXXX Direct Loan Unsubsidized that I had already paid off prior to the transfer. The check was submitted on XX/XX/year> for {$1500.00}. Because it is listed as - {$1500.00} under XXXX XXXX XXXX XXXX, the payment never was deducted from the total principal. As of XX/XX/year>, my actual principal is still incorrect. 
2 ) On my Mohela account, it states that I have four current active loans XXXX Direct Loan Unsubsidized, XXXX Direct Loan Subsidized, XXXX Direct Loan Unsubsidized, and XXXX Consolidated Unsubsidized. This is incorrect. There are only three active loans of mine : XXXX Direct Loan Subsidized, XXXX Direct Loan Unsubsidized, and XXXX Consolidated Unsubsidized. I only have three loans left to pay off. 
I called Mohela in XXXX, XXXX and XX/XX/year> to correct this error. I was informed that the staff at Mohela submitted reports and that the issue would be addressed. It has not been addressed. 
3 ) All of the checks that have been sent on my behalf since XX/XX/year> have only been applied to the XXXX XXXX - XXXX. Prior to the transition, I had my payments distributed equitably across all three loans. When I called Mohela in XXXX and XXXX, I requested for all my payments to be split between all three loans. The staff informed me that they submitted reports to have this retroactively and proactively addressed. In XX/XX/year>, I called Mohela and the staff informed me that they can not accept payment instructions over the phone. I mailed in a letter reflecting this request. As of XX/XX/year>, nothing has been fixed. My checks are still incorrectly being processed. 
I am simply trying to correctly pay off my student loans. Mohela is making it exceptionally difficult, if not impossible. I've spent hours trying to address this issue on my own and I can see it has gone nowhere. I would greatly appreciate your assistance.
Product: Debt collection

I recognize the significance of eliminating any XXXX  entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Debt collection

I contacted this company due to a bill of {$3400.00} showing on my credit report which I wanted validated because I have no knowledge of this bill. I sent them a request for validation on XX/XX/XXXX and they did received it on XX/XX/XXXX at XXXX XXXX in their offices I gave them 30 days to reply but I did not received anything from them I gave more time and again wrote them on XX/XX/XXXX and they received the letter in their offices on XX/XX/XXXX at XXXX XXXX and today is XX/XX/XXXX and I never have received a letter from them and was advised by my lawyer to submit the complaint here because by law the only have 30 days to validate the debt and since they received my first letter on XX/XX/XXXX over 90 days In which I have not received a reply and due to their actions in failing to responding me in time and not receiving any letters from them I want this account deleted from my Credit Report. I will send attached documents and the certified mail receipts for further proof. This is irresponsible from them and this is affecting my credit.
Product: Mortgage

For the past several years my husband and I have been paying our mortgage through a product called XXXX XXXX. This was a product offered by US Bank. This was introduced to us by our mortgage company US Bank and the mortgage is deducted from our checking account every 2 weeks. The mortgage had been paid on time by XXXX XXXX  until we received a notice  XX/XX/XXXX that our XX/XX/XXXX mortgage had not been paid. I called the Mortgage company USBank to confirm that XXXX XXXX had not paid the mortgage since deductions were taken out of our checking account through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$3500.00}. 
I then called XXXX XXXX and got a company called XXXX XXXX. I spoke to a gentleman named XXXX, ID number XXXX and he told me he could not explain why the payments were not made. His plan was to escalate this concern and that the payment would be sent within 72 hours to US BANK. There was also a late fee we incurred for {$29.00} and he assured me that the company would cover this. I called again in 48 hours and no payment or indication that the payment would be sent. I called USBank again on XX/XX/XXXX ( 5 days later ) and still US BANK had not received payment. Whenever I tried to call the XXXX XXXX program the recording would say that they are now acquired by XXXX XXXX. I then was connected to XXXX XXXX for the 3rd time in 5 days and the individual I spoke with XXXX, ID number XXXX instructed me that it was a glitch in the back office. I was on hold for 27 minutes. When I asked if I could just be refunded my money that had been taken out of our checking account he hung up on me. Prior to asking for my refund he instructed me that the mortgage company would have my money by XX/XX/XXXX. Growing concerned on the XXXX, I went to XXXX XXXX  and requested all deductions from our account be held. I put in claims for the previous XXXX deductions since I never authorized this new company to withdraw the monies. I met with XXXX at XXXX XXXX. I instructed her that an additional withdrawel should be attempted on Friday, XX/XX/XXXX and I did not want this to be deducted. She assured me that it would not be able to be deducted from our account. On Sunday, XX/XX/XXXX, I reviewed my checking account transactions, XXXX XXXX had deducted an additional {$970.00} from our account. When I called XXXX, XXXX the telephone specialist apologized for the inconvenience and recommended we place a complete ACH hold on the account. I did do this and will be closing the account tomorrow am. I am truly concerned about our money and the deceit of XXXX XXXX and its equity acceleration program. Can you help me get my money back which sums to {$4500.00}. I also want others to be aware of this company 's criminal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan in 2016 for a 1 year construction loan with 2 6 month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XXXX XXXX XXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXX XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX
Product: Credit card

On XX/XX/XXXX I had to use my CareCredit card for a vet expense. The card was denied and when I checked my account my account was closed. This was done without notice appropriate notice. When I contacted their support team and I got the following response : I am sorry, XXXX. Having reviewed your account, I see this account was closed on a periodic review on XX/XX/XXXX based on your updated credit history / report. 
Usually, it happens if there is any of your credit / loan account that impacted your overall credit history. 
Our team has sent you a Letter on XX/XX/XXXX explaining the reason and the information that has caused your account with us. 
I request you to please check for the letter sent on your registered email address. 
In case if you want to find out the credit / loan account impacted, you can contact bureau agencies, they can access the information and can help you with more details. You can call them on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am confused about the reason they are able to obtain my credit information without them requesting authorization and then affecting my credit due to a decision I was not aware about.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU
Product: Credit card or prepaid card

The last time I reached out to Chase in XX/XX/XXXX about my dispute which they only refunded 1/4 of my money because the company billed me four different times and they were confused and did not approve the other three transactions even though it was for the same company and service. The company is XXXX XXXX XXXX XXXX and they could not provide the service and they closed my account two months after I was waiting for service. The company XXXX XXXX said the bank I did the charge back with is still holding my money and it can take two years to get it back, but I think they are lying. Chase representative told me that Visa company closed my case out this XXXX and theres nothing they can do now it is handled by Visa even though Chase bank should have honored my dispute correctly Im the first place. This has caused me an enormous amount of stress and heartache and I have my daughter in the XXXX  and kids to take care of. I have been going through this since last year XXXX in XXXX. I really want to leave Chase after this.
Product: Credit card or prepaid card

XXXX XXXX Ive been working with Chase Bank Directly to stop fraud since XX/XX/XXXX. Since then I have been involved in the following data breaches but not limited to : XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have spoken with my credit companies in XX/XX/XXXX and again XX/XX/XXXX. And with my primary bank in person on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XX/XX/XXXX In Arizona ; and on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX In California. 

I have had a number of false XXXX charges, fraudulent debit card use, unauthorized credit card use, and difficultly getting my accurate and authentic banking statements, bills, and reports. My statements are not to be paperless but continue to be made paperless and online statements are misrepresented and inaccurate report This Statement is a Facsimile-Not an Original. Also my credit cards are arriving without any notification to authorize receipt and one Chase Freedom credit card arrives are ready to use. 

While the California branches have I continue to experience unauthorized use and fraudulent charges, despite numerous attempts to meet with Chase Bank and prevent the theft and loss it continues to happen.
Product: Checking or savings account

Back in XXXX I had fraud occur on my Chime account. Ive previously had this issue in early XXXX and even in XXXX and chime didnt find in my favor so I asked for a block to be placed on my account for a the XXXX XXXX company because I do not have an account with XXXX XXXX and I was tired of my funds being randomly debited. Fast forward to XXXX and another $ XXXX is removed from my account this time is much more than the previous and again Chime response is there was no error. Now Im out over $ XXXX and chime is telling me its not their problem. I was told I would have zero liability with card yet from what I can see so far Im the only person paying and as a single mother of two I cant afford it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed a late payment posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681.
Product: Vehicle loan or lease

I asked them to provide info on the account and they did I just want removed from the credit bureau. Its XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrected : XXXX XXXX Balance : {$8.00}, XXXX Balance : {$35.00}XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$51000.00}, XXXX XXXX XXXX XXXX Balance : {$5700.00}, ATTYGENERL XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - XXXX XXXX of XXXX I refinanced our mortgage and went through the normal procedures through the old and new leinholder, as well as the title company. The title company sent the funds to pay off the old mortgage and we received a letter a couple weeks later saying the loan was paid and closed. 

On my credit report they loan shows up as " Legally paid in full for less than the full balance. '' This is the only negative entry on my credit report. It shows up as a " major delinquency '' of great than 60 days. I've attempted twice to dispute it and they have refused to remove this negative item from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, ( XXXX ) XXXX, is the entity that provided the payoff to the title company, which they paid. If there would have been additional money needed shouldn't they have asked for it? We would have of course paid, but when we asked they said no funds were due. 

I would like this removed from my account as it is impacting my credit score through no fault of mine.
Product: Debt collection

In XXXX 2016 I received a letter from Lineberger Goggan Blair & Sampson, LCC,  representatives for XXXX XXXX XXXX XXXX indicating that on certain dates in the months of XXXX through XXXX 2016 I made toll rides on the XXXX XXXX XXXX and at the time of the toll rides my account was at a XXXX balance. In talking with both the XXXX and its debt collection agency, Both these agencies instructed me to obtain documents that indicated that I owed the debt ( debt totaling $ 1600+ dollars ). Nither of these two agencies provided the information I requested in my written communications. After making one payment of {$580.00} the collection agency decide to make me an pay-off offer of {$530.00} which I did. So I paid of the $ 1600+ debt, I made a total payment of {$1100.00} with my XXXX . Then one month later, I get another demand payment letter from Lineberger Goggan Blair & Sampson, LCC, that two other toll violations made in XXXX ( which by the way were not originally included in the $ 1600+ invoice ) indicated that I owed an additional violation debt of {$160.00}. I wrote to the collection agency that I was protesting the invoice and the violations. I provided information regarding the licenses associated with the tolls, account statements, rental car receipts, etc. that proved that the travel dates indicated on the voice for which the violation occurred did match with the account statement showing the date entry, time entry, travel route, vehicle ID, and toll fee. My biggest problem and that neither one of these agencies responded to my request for more information. I was told by each representative ( verbal and written communication ) that I could make a request for more information, either through fax or written correspondence, which I did but as I said, to date, I have not received any documentation proving how I might owe the debt. This passing the buck back and forth between the two agencies when trying to get information has become very stressful. No one wants to pay such a large fee without any record of proof. As I said I did pay {$1100.00} of the $ 1600+ owned but now XXXX wants more .... without providing any documentation that supports their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 and XX/XX/21 submitted an FTC report with accounts that are not mines. These accounts are still on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined the military in XX/XX/2015, at that time I had to have my braces removed early due to my military orders. The original creditor agreed to remove the braces early and terminate the remaining payments on the contract. I do not owe the original creditor. Since that time the current debt collection company continues to report a debt of {$1700.00} on my credit report. This is false information that I would like reported from my credit report immediately. I am prepared to provide proof of military service, if necessary.
Product: Debt collection

This is an account of events as far as I am aware of based on the documentation that I am sending you. 

A Mortgage for the property at as a first deed of trust in the amount of {$470000.00} the full amount of the sale price, at XXXX XXXX XXXX on XX/XX/XXXX. 

On that same day, XX/XX/XXXX, a Stand-alone Second mortgage was recorded for XXXX XXXX in the amount of {$95000.00}. I was not aware that there was a stand-alone second. 

In, XXXX we divorced and Mr. wanted the responsibility of the house, I agreed but added a clause in the divorce that required him to maintain insurance, pay taxes, and mortgage on time. In addition, I stipulated that he refinance to take my name off the loan within two years. After 3 years ( XXXX ) when he did not and was about to go into foreclosure, I sued him for possession, he was evicted and I moved into the house. Mr. had negotiated a loan modification in XX/XX/XXXX with XXXX without me knowing or being involved. 

When I moved back into the house I found a property profile that documents both the XX/XX/XXXX transactions as well as the Notice of Trustee Sale dated XX/XX/XXXX. 

Later when the enclosed piece of mail caught up with my move I received a Substitution of Trustee which indicates XXXX XXXX  XXXX assigned XXXX XXXX XXXX XXXX XXXX XXXX, whose address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX CA, XXXX. I had no idea what that was! 


In XX/XX/XXXX I received a letter from FCI Lender Services explaining I owed {$97000.00} to their client XXXX XXXX XXXX who has authorized them ( FCI Lender Services ) to collect on their behalf. I was shocked and immediately called XXXX XXXX XXXX and asked if the was a problem and fully explained the notice/request for payment. The customer service rep explained that my loan transferred smoothly and completely from the previous mortgage services XXXX XXXX. I then called XXXX XXXX and explained the exact same concern, I got the same response there was no problem with the transfer and confirmed my loan details and amounts. 
Now I am getting notices that now say, Foreclosure Prevention Alternatives. 

I do hope you can explain to me how someone The Trustee can take out a stand-alone second in excess of what the house is worth. Wait seventeen years then try to collect from me when I did not take out the loan nor benefit from it?
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : 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, and Experian also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer
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. Equifax 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 are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX