23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/XXXX, my aunt, XXXX XXXX XXXX ( deceased ), entered into a loan agreement with XXXX XXXX XXXX XXXX XXXXXXXX, for what she believed to be a 15 year mortgage in the amount of {$56000.00}. In fact it was a 15 year amortization with a massive balloon payment of {$42000.00}! I moved into the house with my aunt in XXXX of XXXX due to her declining health. I began to take over all of her affairs at this time, including the mortgage payments with a Special Durable POA. Aunt died on XX/XX/XXXX. I continued to make the payments to SPS until XX/XX/XXXX when XXXX took over and they began refusing my payments. I hired an attorney ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX to handle this for me because XXXX threatened foreclosure. When the probate was opened no-one presented a claim on the property and I was informed that they needed to do this even if there was a note. XXXX XXXX XXXX XXXX XXXXXXXX has different attorneys handling cases and I spoke with several of them through out this time. I am not sure what happened exactly but the point is that the house was foreclosed upon and sold within their own company ( XXXX ) claiming that the loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as a trustee for XXXXXXXX XXXX XXXXXXXX XXXX. This is how they continuously gave us all the run around about who to speak to. In XX/XX/XXXX I attempted to purchase the home outright before my aunt passed so that we wouldn't have the need to go to probate, but I was unable to secure financing and close on such loans because we were never able to get any documentation from the lender in the form of payoffs etc. This went on until my last attempt in XXXX of XXXX. I have been going to court and have been trying to resolve this but have gotten nowhere. I am being evicted because the house was " sold '' due to foreclosure and I don't feel that I owe them the amounts that they say I do and I feel it is unfair since the opportunity to pay them happened on many occasions and they refused to cooperate to make the transfer happen and thus just took my home.
Product: Debt collection

I got a call from Northstar collection agency about a debt on my XXXX Credit Card and the debt is not mine. My daughter is also an authororized user and has a card of her own w me being the primary account holder. Upon first contact I thought it was a scam but after realizing the agency is legit I further explained the debt is not mine. The agency mailed myself and my daughter all the statements from XXXX and my daughter did have charges made by her that should have been covered by the negative balance XXXX actually owed us due to a claim that was filed by her but the rest of the charges were not ours. I explained to Northstar that I would pay any charges that were made by my daughter but wanted to dispute the other charges as they aren't mine or hers. I was speaking w a lady named XXXX and she transferred me to her mgr im assuming and this person tried pressing me to paying a debt for almost 18k that wasn't mine. I asked for validation of debt so I'd have something showing how to dispute these charges and I was told that they already mailed out the statements from XXXX  and they weren't going to mail anything else. I also would like it noted that upon initial contact w XXXX she tried a scare tactic saying if im saying these charges aren't mine then my daughter would be in trouble and face prison in order to get me to pay this. I never got anything from Northstar w in 5 days telling me how to dispute the debt and refused to send it when I asked them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit reports Trans Union, XXXX, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account with PayPal Synchrony bank. 
I've been hacked for {$1100.00} on the card. The bank has been taking my credit line and eliminating it, causing a XXXX point drop in my score at all bureaus! This is the second breach on my account in 3 months.! 
Nowhere in the terms of service does it say that they can adjust your limit according to the ups and downs of your credit score! I've suffered irreparable damage that will take years to fix! 
I wish to file this complaint immediately!
Product: Credit reporting or other personal consumer reports

I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from XXXX to XXXX. I noticed that my Experian XXXX XXXX dipped recently, and upon investigating I found that both XXXX and XXXX were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my Experian credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with Experian asking that the XXXX accounts be removed, as my loans were being double reported. On XX/XX/2023, Experian closed the dispute without removing the superfluous XXXX accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
Equifax and XXXX are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX  Account XXXX XXXX # XXXX Acct : XXXX and XXXX XXXX XXXX XXXX Acct : 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX  are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXXs bank account not mines, my identity was stolen and used to obtain this account without my consent. I have filed a police report. I am emotionally hurt
Product: Debt collection

I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 16811 ( = ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy. 
- XXXX I understand that, under 15 U.S.C. 1681i ( a ) ( 3XA ), you are required to complete the reinvestigation within XXXX XXXX of receiving this dispute, unless you notify me that an extension is necessary. 
XXXX, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be ventied, I expect the prompt removal or correction of the disputed item from my credit report.
Product: Checking or savings account

I was in good standing and had money in my account. My account was almost XXXX years old and was mostly in good standing most of the time my account was open. I even had direct deposit set up to it. One morning I logged in and found out my account had restrictions and after research and phone calls I found that it had been closed without my knowledge and to this day I was never explained why or even given my {$200.00} I still had in the account!
Product: Credit card or prepaid card

I made a {$350.00} credit card payments over 20 days ago, to this day they have not made my credit available its been 20 days and they are holding on to my money without making the credit available as mandated by law. this is a bait and switch ... my payment was cleared to them over 16 days ago yet the credit is not available to me
Product: Credit reporting, credit repair services, or other personal consumer reports

When my credit is being reviewed companies are saying accounts are mine that done belong to me.
Product: Student loan

My loans are serviced through Navient. I was enrolled in an 18 month payment program in XX/XX/2015. I was to set up 18 months of payments at that time and to indicate the days the payments were to be deducted from my account. The main idea behind enrolling in this program was to help me become current with my loans. Everything went fine until I checked my credit report and found that the funds were misapplied and as a result it showed that I was delinquent on XXXX loans for 60 days ( it was reported in XX/XX/XXXX even though I had been making payments in the program since XX/XX/XXXX ). This affected the credit of both myself and my co-signers. To make along story short, I asked for them to look into it and reverse the delinquency but was first told that it was correct and there was nothing they could do. I received no notice ( though they said they sent something ) that they will not reverse the decision. Then I had to call and plead my case for several hours and finally was able to talk to someone. After this they reversed the decision but this is still going to show up on my credit report when it should n't have been there at all. This will affect me for the next 30 years as I buy a house or try to obtain credit for other purposes. It makes me wonder what other payments have been misapplied or otherwise mishandled leading to penalties or other financial ramifications. I add this in the hopes that it will further the case with Navient.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I disputed this late payment with Trans Union. XXXX XXXX responded to me with a letter stating the payment was not late and XXXX XXXX re-updated my credit report with Trans Union as never late to correct the issue. However after XXXX XXXX corrected the issue on my credit report, Trans Union closed out my dispute and put the late payment back on my credit report. This has caused me stress and ruining my credit. Please remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : I'm disputing the company Bank of America, Account Number XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( XXXX, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But XXXX is only showing 30 days late for those months. I also contacted XXXX by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my information was on the XXXX market and there was some activity I did not authorize. I have tried to get this corrected numerous times but the credit bureaus have not did anything about it. This is hard on me emotionally and has been frustrating and need it corrected.
Product: Credit reporting or other personal consumer reports

I received dispute results from TransUnion Dated XX/XX/2023 File Identification XXXX ( see attached ) which said the following accounts would be deleted yet they still have not been removed from my TU credit file and it's been over 30 days : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I've received negative feedback from a home loan lender regarding these accounts which is detrimental to my financial well-being. These accounts should have been removed promptly, over thirty days is not prompt.
Product: Debt collection

Credence Resource Management is reporting a fraudulent account on my credit.

The original creditor is XXXX and the account is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was on XXXX XXXX I was medically retired and during my last two months of service I had to sell my house and move and I listed the property and we got into contract in XXXX of XXXX. I had never missed a payment or been late at this time. The title company requested a payoff from Nationstar now renamed Mr. Cooper in XXXX and it was delivered and our closing date was set for the last business day in XXXX the XXXX. The escrow had to be extended because of delays by the borrowers lender and we weren't able to close until the XXXX of XXXX. I called Nationstar the first week of XXXX and they said the payoff demand had been updated to include XXXX payment and that I could either make the payment or it could be added to the pay off demand, we went the payoff demand way because title recommended we do that to not have to request another. 


We closed and they received their full pay off. Then I retired from the XXXX in XXXX and moved. In XXXX of XXXX I had my credit run and my lender told me I had TWO 30 day late payments for my mortgage from Mr. Cooper one for XX/XX/XXXX and the other for XX/XX/XXXX. We closed XX/XX/XXXX and the closing statement reflects that's, how was I late in XXXX by 30 days and I followed what they had told me to do and now they were punishing me. 


I called Mr. Cooper and went through their 30 day review process it took over 75 days and they only sent me a letter saying they were right. I called and asked how that was possible when I had followed their guidance and I didn't even own the house for 30 days in XXXX and they told me that they were right and there was nothing I could do about it. I explained that as a XXXX Veteran their actions were causing hardships on my family, I had NEVER missed a payment or even been late for over two years with them and they said it wasn't their problem and hung up on me.
Product: Credit card

I was late with a payment. I looked at my bill online and saw that I was being charged {$20.00} late fee. I called the bank, Truist, and talked to the representative about how your agency made a rule about how they can not charge me more than {$8.00}. The person I talked to told me it is in their card agreement that a late fee is {$20.00}. I asked to have the fee I was charged reduced to {$8.00} and the lady would not do it. I believe their terms are illegal and the Truist bank should not charge anymore than {$8.00}.
Product: Payday loan, title loan, or personal loan

I have Received a loan I applied To from Oportun. They have been harassing me and my family in regards to payment. I had Lost my job, my father passed away, my interest went up and it keeps going in even tho Im doing payments, I dont think Its fair that they are harrassimg me and my family when I am Trying to work things out. I am Being threatened that I will Go to jail or that they will sue me. I consider that as being illegal when I am Working with them in paying the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX negative change : XXXX XXXX  New Credit Inquiry Added negative change : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXhas 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 there is {$1000.00} penalty if you do not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit karma app. The app would tell me I need a new card to help my credit and to build more credit score up. They would say I'm approved for these 3 cards or so then I would apply and be denied. Which in return doesn't help my credit it makes it worse. They continually push these cards on u saying they will help you. When in actually it doesn't help you it hurts you even more. That is misleading and false this has set me back months maybe more.they should have to held accountable for this.