23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage loan with XXXX Bank. It was an XXXX loan and you guys have helped out greatly with that. However, they sold a portion of the loan to Clearspring Loan Service in Texas. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have been paying them back a portion of the debt. They called me and I felt forced to make payment arrangements. This is still showing up on my credit report as collections for almost 3 years and I 've made arrangements. I still feel like I 'm being held hostage by XXXX when they did nothing to help me when I reached out to them for assistance. I 've increased my payment to Clearspring from {$100.00} to {$400.00} a month and they continue to report negative information to the credit agencies. Is there anything you can do to help with portions of loans that were sold to other companies? Thanks.
Product: Credit reporting or other personal consumer reports

This XXXX account was deleted in XX/XX/year> due to it being a fraudulent account which was investigated by XXXX and XXXX and was removed from my credit report now it has been added back on my credit report as a collection account
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act, specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit FTC Report Number # XXXX proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting 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 for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a auto loan with XXXX XXXX XXXX in XXXX, due to their lack of paperwork, this did not start reporting on my credit until XXXX. I done a vountary repossession on the vehicle in XXXX of XXXX. They auctioned off the vehicle after the repossession. They continue every single month to report this account as " Open '' rather than " closed '' or " charged off ''. They continue every single month to report a late payment for the 65 months. They also have an off the wall out of state address that I have never been associated with in Louisiana. In addition to the balance being incorrect because they have never applied the auction funds to the remianing balance of the loan, they also report the account as repossessed, late, repossessed again, then back on track, then repossessed, then charged off, then late again. Its absolutely absurd. I have worked VERY hard to fix my credit, this is the only negative account holding me back. It has now been 7 years since this account had its first missed payment and has been repossessed. This also goes against my debt/income ratio and prevents me from further auto loans because it looks as though I have an open auto loan. I have disputed this account for YEARS due to inaccurate information and the credit bureus refuse to fix it. XXXX XXXX does not respond to any letters that I have sent to them directly verifying any information I have asked for. I am asking for this to be removed from my credit report, as the inaccurate information being reported, the failure to respond to my verification requests all go against my rights under the XXXX. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.
Product: Student loan

Major issues with my Navient account, which has resulted in delayed, doubled, and missed payments on the account within the last 6 months. Inconsistent payments while enrolled in auto pay, with no notification of the agreed arrangement end date. I have called for various issues once every other week, with no consistent help : XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due date ( payment not late ) XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto payment not deducted for Federal loan ( through navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019 - Auto payment not deducted for Federal Loan ( through Navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto Payment not deducted for Private Loan ( through Navient ) Loan was sold for {$37000.00} with no approval or notice XX/XX/2019- Private loan increased by with no notification/ Federal loan auto pay charged twice. Called back to reverse payment ( fault of Navient ), and have not received refund as of XX/XX/XXXX.

I have had to file a forbearance to assist with the fluctuation of my account, and have requested to not be placed on auto pay, which I am unable to do if I want the lower payment rate.

I continue to be pushed around from customer service rep to rep and I am not receiving the proper customer care. The inconsistencies continue to not be resolved, with multiple errors to my account at the fault of customer service reps who are not processing my information correctly. It is difficult enough making these payments month to month, but when I am charged twice, or payments increased not to the fault of my own, Navient is blatantly taking advantage when they know there will be no consequences. Every month its a different problem and I can not keep calling every week to reverse mistakes that I have not made.
Product: Debt collection

This number has been calling me every single day for the past year trying to collect debt from me even though it is my mother 's and not mine.
Product: Credit reporting or other personal consumer reports

Provided personal information to 3rd party affiliates against, XXXX XXXX XXXX was contacted on multiple accounts to no avail or response. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Product: Mortgage

In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I cant figure out why theyre there. I routinely check my report, but this time, I saw discrepancies that seemed to come out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the accounts remained. XXXX begging for the documents Ive sent to be reviewed carefully so I can stop living in constant worry.
Product: Credit card

My XXXX XXXX card has been compromised, putting a pending hold on my entire account balance by an unauthorized scammer! I was told by your " customer service '' after XXXX attempts and an inability to reach someone in power, there is NOTHING that can be done to help me until the money is completely removed from my GOVERNMENT ISSUED account. I find this completely unacceptable! I had the card cancelled and now I can not get through to " customer service '' at all. They have blocked my calls to a live individual. This is almost {$5000.00} that does not belong to you or the scammers that are trying to bankrupt me!! This is supposed to be a safe card. I demand some kind of explanation and respect. 
I assure you that I never authorized what appears to be a XXXX business in XXXX California to take my mortgage money. Customer service suggested I XXXX the address and get back with them. I am XXXX the Attorney General and local paper ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XX/XX/XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to Experian on XX/XX/XXXX. On XX/XX/XXXX Experian responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how Experian has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX
Product: Debt collection

I was notified of a debt by IC Systems and contacted them XXXX of XXXX. I did not have the full balance owed of XXXX, but I was able to set up a payment plan where they would withdraw {$100.00} on XX/XX/XXXX and withdraw {$50.00} every month on the XXXX for 8 months, and then pay the remaining balance of XXXX on XX/XX/XXXX. I also inquired about making additional payments to lower the final payment which they told my I needed to call in to do so. Additionally, I was told that as long as a did the payment plan and had it paid off by XX/XX/XXXX they would not report it as a collections account to the credit bureaus. I made two additional payments : on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for XXXX. This brought my final payment to {$200.00} on XX/XX/XXXX. Both times, I called to make the additional payments I confirmed that the final payment set up on XX/XX/XXXX would pay off the loan. Both times, the representative told me it would. The final payment of {$200.00} was paid successfully on XX/XX/XXXX. The account was paid in full. However, on XX/XX/XXXX I received a credit monitoring alert on my phone. When I checked my credit report, it showed a new collections account from ICS was added on XX/XX/XXXX. I pulled up my IC Systems account on XX/XX/XXXX and it showed I still had a balance of XXXX. This is completely inaccurate. I attempted to contact IC Systems and I was unable to reach a person. The phone would ring. It would say no one is available and ask if I wanted to leave a voicemail. When I attempted to leave a voicemail it said the box was full and hung up. This is horrible debit collection practices and I expect this to be resolved immediately. I paid the account in full and should not have to go through this mess.
Product: Credit reporting or other personal consumer reports

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No?

Please provide the name and address of the bonding agent for ( Truist Bank ), in case legal action becomes necessary : Authorized Signature of Creditor :
Product: Debt collection

XXXX XXXX had contacted my husband who is not on my account nor have I given them my husbands infomarmation at all. They had left him a message with my information and threatening message. This had caused a lot of problems between me and my spouse. I contacted them and they did nothing about it.
Product: Credit reporting or other personal consumer reports

I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT
Product: Mortgage

Hello, my loan was being serviced by XXXX but was transferred to NewRez ( Shellpoint ) as of XX/XX/2020. I made a full XX/XX/XXXX payment. I wanted to make a partial payment ; however, their site did not allow for the partial payment. I called and spoke with a young lady who told me to mail a check to a P.O. box and include the verbiage " partial payment '' on my check. I followed her instructions mailed the check on XX/XX/20. The check was applied as a principal only payment. I called again and spoke with a gentleman and he said he would reverse the payment, I called a 3rd time and the payment has not been corrected. I can see the transaction history showing where the payment has been applied and reversed ; however, it continues to be applied as a principal only payment. I am very concerned about this servicer 's practices, the misinformation given to consumers and I'm extremely concerned that my payment will not be applied correctly which could affect my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Product: Checking or savings account

On XX/XX/XXXX, Navy Federal began depleting my personal checking account without authorization to cover a debit from my daughter 's account who is fully an XXXX and should have a college checking account. This is not a joint account. It was previously considered a XXXX account years ago but of XXXX she became an XXXX and it should've became a college checking account. As well as the {$5500.00} that her account is overdrafted is due to fraudulent charges that is being disputed with the bank. We have contacted them multiple times via over the phone and just recently in the bank yesterday to try to get this resolved. We have received a police report from XXXX Police department only because we were able to go in house but are trying to get XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX on the phone since they have literally took all the little money I had for my car insurance and food and gas money. I'm a single mother of XXXX and them taking money with my authorization for something I'm not responsible for is absurd. They have refused to rectify any of the situation and stop money being withdrawn from my account and refused to correct the type of account because of the investigation pending. I'm not sure why video surveillance can't be seen at all these various places especially at the branches and I was told by the bank representative that the fraudsters make a fake id with my daughter 's information so it seems that the bank would be able to match the ID pics of from when the account was opened, the one she legit uses in the bank versus the fraudsters as well as see that she wasn't in all these places on the same day ( XX/XX/XXXX told by the bank that deposits and withdrawals were made at the XXXX XXXX and XXXX XXXX ) when she was in XXXX XXXX XXXXXXXX XXXX Neither am I not understanding why the bank didn't flag and decline the charges and just now they have her account flagged and she can't view her online app. Dates are seen in the documents attached of charges and time stamps of her XXXX XXXX as well as proof of one of the police reports from XXXX.
Product: Mortgage

After a thorough review of a copy my mortgage documents acquired at closing, I came across several discrepancies. On XX/XX/XXXX, I sent a letter to Wells Fargo outlining a contractual outstanding amount of {$160000.00}, that was never paid nor given to me, but outlined in my mortgage contract. Wells Fargo responded, admitting that no record exists of this amount being disbursed, transferred nor given to me. However, even with this confirmation, Wells Fargo continues to dishonor this part and many other sections of the mortgage contract agreement. 
On XX/XX/XXXX, I sent an affidavit with 7 days to respond, to Wells Fargo, along with an invoice outlining over 15 continued failure to comply with US Code, state laws and Federal Laws resulting in an estimated sum of {>= $1,000,000} in damages. Receipt of the affidavit was confirmed on XX/XX/XXXX by the post office : XXXX : XXXX XXXX I received a letter response back from Wells Fargo dated XX/XX/XXXX with no dispute, rebuttal nor challenge to the facts laid out in the affidavit, and therefore serves as Wells Fargo 's acceptance of all facts, allegations, violations and damages stated in the affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX and Equifax have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX  with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user.

Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

Thank you