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

In XX/XX/XXXX, all my student loan accounts with XXXX XXXX XXXXXXXX were brought back current, positive reporting, and deferred until XX/XX/XXXX. XXXX is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX XXXX XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to XXXX about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these 3 accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XX/XX/XXXX. I called XXXX on XX/XX/XXXX and they stated that my credit reporting was approved and changed in the system in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Fortiva-MC/MABTC : acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a CFPB complaint and XXXX was contacted. 
XXXX opened a dispute, and these accounts were supposed to be investigated. I received a letter from XXXX XXXX XXXX stating that a file under my SSN could not be located. However, I can view my credit report under XXXX. I do have an XXXX account. I do have an XXXX credit file. I believe this was a stall tactic, and a dispute investigation was not conducted. 

Now, according to the XXXX website, the dispute was closed on XX/XX/year>. I have not received an updated letter or the dispute results by mail. However, according to the Annual Credit Report website under my XXXX report, nothing has been updated and the accounts are not shown as " disputed ''. 

This is a violation of the FCRA. 

Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I applied for a mortgage a few years ago. Equifax would not give the bank my credit information because they said that I was born a different month than I was actually born. After talking to someone in XXXX who worked for equifax and waiting on hold for long periods of time I was told to mail information proving my real birthdate. I did so and received a 6 page letter back from them. I could not understand if they were correcting the wrong birthdate or telling me that I was not born on my correct birthdate. I showed the letter to my lawyer and she could not understand what it was telling me. That is how poorly the letter was written. Now years later I received a letter from them again wanting information. They are asking me to provide two of the following IDs : pay stub with SSN, W-2 form with SSN and social security card. Of these three items I have only one -- the social security card. I am self-employed -- no W-2 or pay stub!! Clearly some date entry person entered the wrong information for me in their files and it is now impossible to fix. No one at any agency or company has ever gotten my birth date wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$2600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on multiple occasions tried to revive credit scores/history or credit reports through the 3 main credit check companies and my bank but am told that it doesnt exist or that my identity couldnt be verified or that my social security number doesnt exist. Ive tried to settle it with these companies but they keep telling me to file a complaint to the consumer finance website to have it disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 Source : XXXX File Date : Amount : Status Date : XXXX XXXX XXXX XXXX : Action Type : Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 Federal student loans with XXXX that were once serviced by the department of education. These loans were sold, without my consent to XXXX who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Credit reporting or other personal consumer reports

FCRA 605B appears to require the deletion of incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are reported inaccurately, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and falseinformation consists of credit card account 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 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: Debt collection

Hunter warfield has added a debt collection debt in my credit report when that information does not match my social security number this is probably due to mismatch name or DOB, But I have never sign a lease contract with hunter or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed an identity theft report concerning fraudulent accounts that continue to appear on my credit report. I have already notified Equifax that these accounts are the result of fraud.
Product: Credit card

I made a full payment on XX/XX/2023. Today I received a bill for {$17.00} for interest fee when I didn't use the credit card and made the full payment on time. When I call I was told I was being charged a residual interest. For what the agent told me it sounded I was being penalized for making a full payment.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged a {$10.00} Cash Equivalent Transaction fee for a {$11.00} purchase I made in XXXX. I called the bank to have this charge removed but I was told it was billed as a cash advance by the merchant and that it was not possible to refund the fee. I believe that this fee was charged by BoA so I don't see why they can't correct it. I did not use my credit card to withdraw cash and as a consumer, it is not my job to know how transactions are coded between the merchant and the credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXXXXXX .... Balance : XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : XXXX  ; XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX
Product: Money transfer, virtual currency, or money service

Venmo refuses to close my account unless I send them a scan of my Drivers License. Venmo does not need my ID ( photograph, personal identification numbers, height, weight, age, etc ) in order to close my account. 

Venmo only requires a phone number and email to sign up and transfer money. They do not need anything else to close it. I want my account closed. I will not send them personal identification information.
Product: Mortgage

I took out a 2nd mortgage with XXXX in XX/XX/XXXX. In XX/XX/XXXX, I filed for bankruptcy and the mortgage was one of the discharged debts. I have since been paying the 1st ( to a different company ) and no foreclosure actions have been taken by holders of the 1st or 2nd. I am not considering selling the property and there is a lien from XXXX on the home. I am researched with the XXXX   system and it still shows XXXX as the lien holder. My research has shown XXXX XXXX to have taken over XXXX. I have been in contact with XXXX XXXX for the last few weeks and have not been able to obtain any information on how I can clear the lien from the title. I am seeking a loan payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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: Debt collection

XXXX XXXX of the Lien Enforcement Department Global Solution Biz LLC . has been contacting family members and threatning to impose liens against my property and assets and disclosing personal and debt info. 
I have no debt or business with this individual or company and they have failed to verify and confirm as such upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not able to see my accounts in Equifax from XXXX  XXXX. 
it is showing in my phone that it hasn't been updated since XXXX of 2018. 
i had to call them and open up about 8 dispute to fix everything including my name S.S and date of birth, after I did all that there still an issue and i am not able to see my accounts and I am not able to apply for home loan because all the banks telling me there is an issue with Equifax. when i call Equifax they say everything is okay on their end. but when i receive a letter from Equifax my name is still wrong on it. i have been trying to buy a single family house for me and my family but i am not able to because if Equifax. I've sent them my S.S card picture my D.L picture and any other documents that they asked for. the problem is still not fixed. I've ran my credit about 3 times because they told me it was fixed when it wasn't. my score went down from XXXX to about XXXX because of it. 
please help. 

attached is what i sent to them. and what i got back from them. i am also attaching what i got when bank ran my credit,
Product: Debt collection

XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.
Product: Student loan

On XX/XX/XXXX, a student loan for {$6600.00} was newly discovered [ Exhibit XXXX ]. While signing paperwork to refinance our home, the banker covered current debts, and when he said we had a recent student loan taken out, my wife and I were confused. We paid our last education loan on XX/XX/XXXX [ Exhibit XXXX ]. 

The second installment of {$6600.00} for the same loan was given, bringing the fraudulent education loan up to {$13000.00} [ Exhibit XXXX ]. The police have had a report filed, Nelnet and the U.S. Department of Education have sent me six denial letters, the FTC has a report filed, and all three credit agencies have been contacted to freeze credit, report the fraudulent hits on my credit, and place a fraud alert. Cases have been opened with XXXX University, the Ombudsman Group, XXXX, and the Illinois Office of the Attorney General [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ] [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. 

Currently, the target to clear my name and relieve our family of this fraudulent debt keeps moving. Each denial letter or person I speak with keeps changing what needs to be done and how I can clear my name. Despite the moving target and setbacks, some good news has come. 

As of XX/XX/XXXX, all three credit agencies no longer recognize the fraudulent education loans taken out in my name [ Exhibit XXXX ], [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. 

The submission to the Illinois Office of the Attorney General in XXXX of XXXX has resulted in a letter returned to me on XX/XX/XXXX [ Exhibit XXXX ] that states they attempted to reach Nelnet but were unsuccessful in obtaining a response. Several letters were received from Nelnet showing some action was being taken, but all those letters received added to the confusion of this whole process, as I have experienced throughout this matter. 

The disorganization from Nelnet continues based on [ Exhibit XXXX ], [ Exhibit XXXX ], and [ Exhibit XXXX ]. Based on the work I assume the Illinois Attorney General 's Office started, these exhibits were received in the mail on successive days, XX/XX/XXXX, XXXX, and XXXX. As shown in the exhibits, Nelnet said my request had been denied for the same reasons [ Exhibit XXXX ] they started with on XX/XX/XXXX, and referenced on MayXX/XX/XXXX, as shown in [ Exhibit XXXX ] and [ Exhibit XXXX ]. We worked through those issues through multiple appeals and are now back to square one. Then, on XX/XX/XXXX [ Exhibit XXXX ], I received a Nelnet letter saying my submission was incomplete and need to fill out the same appeal form I have filled out several times. Finally, the next day, XX/XX/XXXX [ Exhibit XXXX ], I received another letter saying my submission was materially complete and they would review my case. Needless to say, this seems as if they are not doing their due diligence to process my request faithfully. 

See the Steps Taken section of the attached report for more details and access to all the referenced exhibits.
Product: Mortgage

During the process of refinancing with Newrez towards the first week of the month XX/XX/2021. The documents Newrez sent via email to us were signed and sent back with the understanding of refinancing with no changes done to this new documentation agreements. Just lowering the interest rate was the purpose of the refinance. From 4.5 % down to 2.7 %. This was outstanding to my wife and I this was a no brainer we thought, so we proceeded. 

During the first week we were advised by loan officer ( s ) XXXX XXXX and XXXX XXXX to not pay our mortgage for the month of XX/XX/2021 we were to use that money to put down for our closing cost for the refinance. Unfortunately this did not take place because there was several issues from communication to like a follow up then when it came down to the middle of the month for us to sign for closing with a scheduled notary no one showed up, no calls or emails were sent to us. XX/XX/XXXX Monday morning I reached out to NewRez complaining about this issue. They respond via email on XX/XX/2021 stating : Good morning, We are getting your loan corrected. What happened was the subordination for your loan had an approved loan amount lower than what we needed. Title has gone back to them to have this corrected.

Once this is done, I can get your loan rescheduled asap.

I apologize for the inconvenience but we will get this right.

Thank you! ) so much days and time as one went bye due to the lack of communication and misleading refinancing we received no assistance just a email explaining why which made no sense to us. All of which the mortgage is still due for the month we are still getting threatening letters from NewRez in regards to payment needed this is also confusing in one hand we thought we were refinancing with the company and the other hand the company sending us threatening letters of not paying on time and reporting to the bureaus for late or missing payment. 

Still to this day while reaching out to NewRez regarding the refinancing we are still getting misleading information and emails stating their apologies on the mistakes made and how theyre rectifying certain documents and so on.. This is truly troubling and any help you can provide towards making sure this type of rhetoric and refinancial-confusion to other NewRez customers trying to refinance with NewRez this type of trickery practice on their behalf holding customers hostage by promising refinance delaying it by lies and lack of communication and not delivering. And by that would deliberately screwing up their customers on time monthly payments for their mortgage. This type of practice causing customers to fall into delinquent status which causes a domino effect of lowering the possible chances towards ever refinance into a standard loan. If youre under an FHA loan by them reporting to the bureaus causing bad credit scores and even worse families are now her falling behind do these troubling times we might even lose their home because of this type of debauchery. Ive reached out to other NewRez customers from XXXX sad to say my family are not the only families NewRez has attempted this type of practice ... This is troubling.
Product: Credit card or prepaid card

After hurricane Irma in XXXX capital one deferred are payments for 90 days. they assured us that the account would not be late and we would not be reported to the credit bureau. They did not charge us late fees but it is showing late on my credit report in XXXX of XXXX and also XXXX and XXXX of XXXX. 

I was told by capital one to submit my request in writing which I did but they did not update my credit report with any of the bureau 's. 

I also filed disputes and spoke with XXXX and XXXX and was told that it would be corrected because we were under a state of emergency. I have been trying now for almost two years and they still will not correct my credit report.
Product: Credit reporting or other personal consumer reports

The economy is bad and so is my credit report, but after thoroughly looking at my credit report it is clear which is way worse all I see are erroneous information which is causing me overwhelming stress and frustration. Never knew that upholding your rights as a consumer is this depressing, that I have to go through all this suffering, I wouldn't even be able to buy the necessary things to set my life back on track due to my low credit score because of all the incorrect information reported on my credit report.
Product: Checking or savings account

This is in regard to a Navy Federal Credit Union account. I noticed that the bank in question has been garnishing federal benefits do to a unsettled debt. The funds in question were derived from federal student aid that is deposited into my account from the institution that I am attending, XXXX XXXX. The specific amounts were {$700.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. When I infomed Navy Federal about the mistake on their end in regard to garnishing federally protected benefits, the bank refused to refund my XXXX XXXX XXXX that had been deposited into my account and attempted to set my account on an automatic withdraw schedule in order to obtain a partial refund. This was the response from the representative of Navy Federal Credit Union that I spoke with on XX/XX/XXXX. I also informed the banking insitution that I could not setup an automatic withdraw schedule since I am currently not working due to a verified XXXX.
Product: Checking or savings account

I was approved for an SBA loan on XX/XX/2020. The loan proceeds of {$140000.00} were deposited into my personal checking account. I was contacted by Penfed via email and informed that my loan proceeds were being returned as business transactions were not permitted in the account. On XX/XX/2020, Penfed returned some of the funds {$120000.00} to the treasury department. The funds were sent in the form of payment for my loan and not returned as I was informed due to the account being unable to perform business transactions. Penfed also notated on the cashier 's check that I had committed fraud which I have not.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries being report to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later thaXXXX XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.