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

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible : XXXX XXXX XXXX  XXXX
Product: Credit reporting

Hello, In regards to the XXXX report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of Equifax reporting inaccurate information under my name and social security number. I went thru XXXX years of having a gawd XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. Azz wipes! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD NOW!
Product: Student loan

On XX/XX/XXXX, I received notification that my federal Perkins loan Account # : XXXX, was approved for a Deferment. The letter also indicated that a payment of {$50.00} was due for interest accrued on the Federal Perkins loan. The loan period referenced for the deferment is XX/XX/XXXX. My school XXXX University has requested that I provide a default clearance letter, in order to be eligible for financial aid during the next enrollment period. I was advised by several representatives at XXXX XXXX XXXX that they would be unable to provide a default clearance letter, until the payment of the interest was made to XXXX XXXX XXXX. I am submitting a complaint about the handing of my loan, because the student default letter is being denied, although I have been approved for a deferment of the entire Perkins loan referenced above. I believe that XXXX XXXX XXXX is unfairly withholding the default clearance, based on fees that should be included in the terms of the deferment according to the department of educations definition of a deferment. I was also provided with false information by the agent on XX/XX/XXXX. The agent I spoke with stated that a deferment and a default had the same meaning, and that my loan would continue to be reported as default, although it was approved for deferment. If the terms of the Federal Perkins loan are based on the signed promissory note, it should state the terms specified by XXXX, in reference to the definition and polices of a granted deferment. Definition of default based on www.studentaid.ed.gov : Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. You may experience serious legal consequences if you default. <P/>Definition of Deferment based on www.studentaid.ed.gov A postponement of payment on a loan that is allowed under certain conditions and during which interest does not accrue on Direct Subsidized Loans, Subsidized Federal Stafford Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance ( capitalized ) of the loan ( s ).
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
XXXX XXXX XXXXXXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) XXXX XXXX Never Served USM-285 and Violation of Seventh Amendment Jury Trial.

Writs never signed by Court Clerks
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After submitting my first complaint to cfpb, the company responded to cfpb that I have no legal authority which is not true and I printed that document out. I received a phone called of harassment, from their Champion Realtor. I called her back and told her don't threaten me with false statements. I reached out to Champion and they hung up in my face telling me I have no legal Authority. I am the Legal Executrix of the Estate and the only beneficiary of the Estate documented by the Court. Since also reporting to cfpb, Nationstar has now included my neighbor 's with threatening, me. stating my neighbors contacted them and shared that my branches and debris had fallen on their property. However, they can not share the name of this person : Where I live is all XXXX ; [ the community /town 3 % XXXX ] I am the only XXXX family here/ in this neighborhood, when we moved here my son was playing with a friend he was invited to join- in the friends house to watch movies, the neighbor called the police and said a XXXX man was breaking in the house ; my XXXX year old XXXX Male son was surrounded by XXXX and his XXXX  friends as children when police went into that house due to my neighbor 's and their tactics ; I am still traumatized from that event.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose
Product: Debt collection

On XXXX XXXX I sent a letter out to Debt Recovery Solutions about another account they was supposed to do a debt validation on. The company resolved the first account deleted it ; but the second account they never followed up on or validated the debt but they are still reporting it to credit bureaus. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and return with the proper documentation but the company never responded.
Product: Student loan

I've had multiple problems with Mohela as a loan service provider. They are transitioning direct federal loans to a new online platform. During this process they cut off access to my online account so that I couldn't make payments. Additionally, auto payment stopped working so my account was put into late payment but I was unable to make a payment.

I had to call their customer service number to find out that I had to make a new account on their new website ( mohela.studentaid.gov ). They never communicated this to me or even told me what the new website was prior to me calling.

Since then I've tried to set up autopayment multiple times. It has never worked. It has missed multiple payments without notifying me until the payment is late. This has happened three times now. I've tried calling them about this to see what the problem is only to be told that it was being blocked by my bank ( it wasn't, I checked ) or that something " hadn't been transitioned correctly '' and I'd need to re-enroll in autopayment. This is now the third time I've re-enrolled in their autopayment system which has not worked at all for the last 8 months. Additionally they over credited my account for an extra payment I never made. I tried to get them to correct this and at first they said it must have been a double payment due to autopayment! This was immediately after telling me that autopayment isn't working for some unknown reason and I'd need to re-enroll. Completely absurd.

This company is absolutely ridiculous. Completely incompetent at best. But I guess I'm a captive consumer since I have no choice about who administers these loans without reconsilicating and paying a higher interest rate. They have no incentive to give a XXXX so why would they?
Product: Credit card or prepaid card

I am asking to be removed from Macy 's account ending in XXXX. I have already asked Macy 's three times to be removed from the joint account with my ex-wife ( XXXX XXXX ). I sent Macy 's a letter on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. All three times asking to have my name removed from this account. I have received two letters from Macy 's, one dated XX/XX/XXXX and the other dated XX/XX/XXXX. Both letters saying that Macy 's would investigate my request. This account was issued to my ex-wife and I on XX/XX/XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a boat loan with XXXX financial that i paid off in XXXX of 2020 but the company transferred my loan to Shellpoint Mortgage in end of XXXX ans Shellpoint sent me a letter saying i owed them for a loan payment i contacted them and sent them the payment info from XXXX where the loan was paid off, they still insisted i owed them {$330.00} to pay the loan of and i paid them in XXXX just not to have a problem, i received confirmation that the loan was not paid in full. I asked them for my title to my vessel and i was told to wait 3 weeks for it to be sent to me.. Its now almost 4 months and i called them 4 times since but no one can tell me where it is, i e-mailed the loan servicing department as they tell me 4 times with no response. Now the worst part is shellpoint reported to the credit bureaus that i am 30 and 60 day late and that the loan is a home mortgage!!!! Im purchasing my first home now and im 3 weeks away from closing but due to this incorrect reporting my score dropped below the minimum required FICO score required and the incorrect reporting that the loan is a home mortgage and late payments is not allowing me to obtain my mortgage for my home due to this incorrect past history on my report.!!!! I have called Shellpoint at least 5 times and e-mailed them to please correct the reporting asap so that i can contact the agencies to rescore my reports for my new mortgage, but it has been 10 days with no response at all ... and everyday my credit score drops lower!! please help or my family and i will be in the streets with no home.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.
Product: Credit reporting or other personal consumer reports

Im resubmitting my paperwork on the previous complaints. Its the wrong addresses on those accounts I asked XXXX on the phone I NEVER LIVED AT THOSE ADDRESSES ON THE SO I COULD have known payments were late and delinquent. I didnt even know how much was due or when it was due. I have thats a violation my rights. I told submitted a feedback case because I just found the inaccurate information on the website which I didnt fill out. Those arent my email addresses or phone number XXXX XXXX in XXXX Michigan doesnt exist so I couldve received anything on late payments I told XXXX i dont recognized this addresses or the letter in general. Then my dad and my number is the same number different addresses??? Thats suspicious especially because its no XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I see that some of my accounts were erroneous. XXXX and Equifax are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I requested a manual payment re-count ( payment tracker ) for qualifying payments for the PSLF program in XX/XX/2017 as my payment count was miscalculated - I am STILL waiting despite many phone calls to address this. No one can tell me how much longer this will take.
Product: Checking or savings account

All our bank of america accounts were frozen. They will not give us a reason why. We can't access our funds, close our accounts etc. This has put us in an awful financial situation! This isn't fair or right! Any assistance you can provide would be greatly appreciated! 

Thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi this is XXXX XXXX, On XX/XX/XXXX at XXXX XXXX, I went to the chase bank ( XXXX XXXX XXXX XXXX, XXXX, IL ), I want to deposit money at this bank 's ATM. Before I deposited money, there was nothing wrong on the ATM screen. It showed that everything was normal. Then I started to deposit money. I put my XXXX XXXX dollars in. I waited for about thirty seconds and the machine issued a receipt, but my money did not appear in my account. As the atm shows there is a problem. Then I started calling customer service ( XXXX ), but the Chase staff kept dragging me away and wouldn't give me money. At first, they said I would have to wait two working days, but later they told me to wait until XX/XX/XXXX, which is twelve working days. I really need this money now! Please help me!! thank you so much! 

The last four digits of the debit card XXXX XXXX XXXX XXXX XXXXXXXX Term ID : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX , Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by XXXX as I was on XXXX as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.
Product: Debt collection

Phoenix Financial Services began contacting me about a debt that I believe has been paid to a different creditor. I have explained that I am in the process of attempting to validate this debt with the original creditor and to please stop calling me. Since then, the have have called me repeatedly, as often as 4 times in a single day or more. 

When I answered to find out who they are and why they keep calling and explained that I can not verify or validate this debt the man who called me hung up on me.

I have spoken with the original creditor ( a hospital ), and they do not have a record of this debt or a record of the debt being placed with Phoenix. As I can not verify that this is a legitimate debt I will not give Phoenix any money. 

They have called me from : XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018 XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Goldman Sachs Bank USA for their failure to correct inaccurate reporting on my credit report concerning my Apple Card account. The inaccuracies have already been disputed directly with Goldman Sachs as well as with the XXXX major credit reporting agenciesXXXX XXXX, and XXXX no resolution has been provided. 

XXXX IXXXX XXXXXXXX : XXXX : Reporting a charge-off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : Reporting the account as " current '' from XX/XX/XXXX to XX/XX/XXXX. 
These discrepancies have caused significant damage to my credit profile and have affected my ability to secure financing for essential needs, including a new vehicle. 

Despite my disputes with the credit reporting agencies, this erroneous information remains on my credit reports. The continued reporting of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2, which mandates that information furnished to credit bureaus must be accurate, fair, and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I paid my credit card payment in full in cash to Self on XX/XX/2022. The full amount was debited from my XXXX XXXX bank account. 

Self refuses to post this payment, knowing that the funds have been taken from my account with me paying an extra {$3.00}. My account is in good standing and not late. I should have have to pay to have my payment posted to my account.

This pay-to-post is new for Self. I had routinely posted my account during the last year and had it posted to my account within 24 hours until the last two months.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX no account, Account name XXXX XXXX #, Account name XXXX # XXXX, Account name : Open sky # XXXX, has violated my rights. 
I looked at my credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was overseas I became a victim of identity theft. The following inquires were not authorized by me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Our truck loan was originally with Suntrust. Truist took over the account in 2020 sometime. We have had nothing but issues with this company pulling out 2 payments during auto pay and when trying to get them to reverse 1 so I can have the money to pay my other bills on time- we continue to have issues. They either want me to call my bank to put in a stop pay AT MY COST. We did this the first time, as requested- to only have not the bank stop pay but they also reversed a payment - causing now no payment at all.

We expressed our concerns and now here we are again. They will not refund me immediatly and want me to wait on a check in the mail for 10 business days. I do not have extra funds to cover XXXX worth of other bills- now causing me to be late on those with added interest. 

Truist wants to take your money ( twice ) but then you are the one holding the bag in the end when you can not pay your bills. Our mortgage was sold to this company and we have the EXACT same issues. We ended up paying off the mortgage to avoid same problems with taking XXXX XXXXXXXX out twice. We took out a loan to pay off mortgage to avoid them at all cost. This is a scam and most folks are not this in tune with their accounts. I can not believe in these days a company can get away with this with most folks on limited incomes and working paycheck to paycheck.
Product: Student loan

Dates are not exact.
 XX/XX/XXXX  : Refinanced mortgage, sent Navient @ {$15000.00}. XX/XX/XXXX : - Navient claims they did not receive it but we have copies of canceled checks - Navient says we sent checks to wrong address, will send refund.
  XXXX   : - No refund. Navient says they sent it.
 XXXX ,  XXXX  : - still not refund.
  XXXX    : Talk with customer service, they 'll check into it.
 XX/XX/XXXX : - Spoke with "  XXXX  '' promises she will take care of everything eventually.
- Checked account ... balance is {$0.00}. Must have been taken care of.
 XX/XX/XXXX : My account is past due. Balance @ {$12000.00}.