23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I made my first mortgage payment in XX/XX/XXXX. My mortgage was sold in XX/XX/XXXX. 

I made all my corresponding payments to the new servicer on time. 

The new servicer ( SPS ) argues that I have not made my XXXX payment, meaning I am one month behind. 

After providing all required proof, SPS says the prior servicer did not transfer the XXXX payment to SPS. The prior servicer says the XXXX payment belongs to them, given that my loan was sold in XX/XX/XXXX. 

SPS decided to punish me with late fees and sent my information to the credit bureau, arguing that I had not made my payment. 


I have complied with the agreement, and this issue should be resolved between services instead of punishing me and sending the wrong information to the credit bureaus. 

I cooperated with SPS, and they ignored my proof. SPS did not conduct the proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan

They say I had a loan and it was deposited into a PNC bank account. I never had a PNC account. Told them this several times but get calls XXXX per day. I am now dealing with bank to verify my non account status. getting calls from XXXXXXXXAll about the same so called loan. I also did not apply for an on-line loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having trouble making a payment online for my mortgage with Volunteer Mortgage Loan Servicing. I spoke with the company and discovered the problem. They instructed me to call a certain number to make the payment, this was on the last day of the month, and they informed me the payment would not be reported as late or negatively affect my credit score. This was for XX/XX/XXXXorXX/XX/2020. It was reported late anyway. I spoke with Volunteer Mortgage and they instructed me to file a dispute with the credit bureaus in order to get the information corrected.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting

My mortgage account with XXXX has been PAID IN FULL and closed. XXXX letters confirming payment IN FULL have been issued by XXXX, which have been sent to the credit bureaus by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to the credit bureau XXXX. 
TransUnion is reporting as follows in regards to the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
XXXX party that denied credit told me by telephone that the report from the XXXX could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at TransUnion recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires the Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX / {$1000.00} XXXX XXXX/ XXXX / {$0.00} XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX  XXXXXXXX XXXX/ XXXX / {$440.00} XXXX XXXX / XXXX / {$2900.00} XXXX XXXX XXXX/ XXXX / {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

Creditors ordered a judgement on me, and I have not even received from this creditor that they were put a lawsuit against me. I found out when I noticed I have no money in both my checking and savings. The monetary amounts in my checking and savings are from unemployment benefits, which is exempt. I have proof of the dates and amounts of how my benefits. I exhausted my benefits at the end of XXXX, so for XXXX weeks, I had no income coming in. As rough as this economy is, I barely found a job 5 days ago. After my XXXX day of employment ( which I have not been paid yet since I just started working there XXXX The creditors took all my checking and savings. I have no idea who they are and how much I owe, if I did I would have made an instalment plan with them. I want to file a complaint with them. They have taken out unemployment benefits from my checking and savings. They did not inform me of a lawsuit being made against me.
Product: Debt collection

I received a phone call from creedence resource Management LLC regarding a debt to XXXX I told them that I had already informed The previous owner of this debt that I did not wish to be contacted by telephone and to be sent a debt validation letter. They sent me a letter saying they had verified the debt and that it was accurate however I asked them to send me a letter so that I could verify the debt myself they never responded it has been more than XXXX  days.
Product: Student loan

I am a XXXX XXXX and submitted my application for XXXX in XX/XX/2022. I have enough payments to qualify between my XXXX XXXX and two jobs post XXXX 

Both the XXXX XXXX XXXX and federally qualified XXXX XXXX that I worked in have been deemed as not eligible employers, however that is impossible I attended XXXX from XXXX, Worked in the state of CA at an approved NHSC XXXXt loan forgiveness site from XXXX, and a Federally Qualified XXXX XXXX XXXX. 

I have called Mohela 7 times spend in over XXXX on the phone, since XX/XX/2022. Multiple addendums have been added and submissions for reconsideration and I still get rejected. 

I have submitted my Tax documents for my work in California, as well as both a letter from the hospital that owned the clinic stating that I was under a service agreement with them & my XXXX site approval letter and successful completion. 

My last employer verification for the XXXX was submitted and verified. I should have no reason to delay forgiveness. 

I am undergoing a divorce and these extra loans are an unnecessary burden to me. 


I would like my student loans forgiven asap.
Product: Student loan

On morning of XX/XX/year> my XXXX  checking account was withdrawn at exactly {$1000.00} by " XXXX XXXX XXXX  '' for " XXXX XXXX '' by Nelnet. 

There was no prior notification, nor an account created for this loan service provider. I emailed immediately after checking their contact information and called their customer service line. There was no contact available by phone but am waiting on email response. 

My bank account is overdrawn and I have to make mortgage payments, pay my utilities and medical bills. XXXX .... I am currently looking for a better paying position in this horrible market and I have an XXXX XXXX Why am I having to deal with NelNet right now? It is a bit scummy for an entity like NelNet to dip their hands into my bank without prior knowledge or consent from me to make such payments.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from Transunion and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( Transunion, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.
Product: Debt collection

Westlake Financial froze my bank account and now I cant pay my everyday necessities or buy food or put gas and I cant pay my bills either its causing me a lot of stress and financially anguish and its made it a hardship too, not only am I going through the debt collection due to this people but I am going through child support too to make matters worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. XXXX has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while XXXX has refused to address my concerns. Equifax has provided no resolution and establish no contact to this date. XXXX has been provided with XXXX report reflecting corrected information in response to identity theft.
Product: Mortgage

This is a follow-up to CFPB Complaint XXXX and the other related CFPB complaints regarding the substantial delays by this servicer to agree to have the property reevaluated due to substantial energy efficiency improvements, in order to have the upfront paid PMI policy cancelled and XXXX refunded. 
As chronicled in the XXXX processed and uploaded in their portal, the broker 's price was {$260000.00} ( page XXXX of XXXX of the document ) which ends up leading to a loan-to-value ratio of roughly 60 %, far less than even the minimum threshold of 80 %. The XXXX also notes the substantial energy efficiency XXXX at the bottom of page XXXX of XXXX of their document. 
Therefore, the threshold has been reached to have the unnecessary PMI policy on this property cancelled and proportionally refunded. For some reason in previous complaints they didn't even understand that it is possible to cancel an upfront paid PMI policy. Hopefully others don't have to experience such unnecessary delays.
Product: Credit reporting or other personal consumer reports

I opened a line of credit with NetCredit almost 2 months ago and have had 2-3 statements generated so far. Every time I have called, Ive been informed the combined activity from my 2 statements each month will be reported to all 3 credit bureaus between the 1st and 3rd of the following month. It is now the 12th and I have not received any updates of a new account with any of the credit bureaus. I have called dozens of times to confirm with NetCredit that theres no minimum usage amount for reporting and that my new account status will not affect credit reporting either. 

NetCredit claims to have already reported to all 3 credit bureaus, yet none of them have been updated for more than a week. They have no assistance to offer over the phone other than advising me to contact the credit bureaus. 

I have opened this account, paid necessary fees, and made all payments on time for the purpose of building my credit, and NetCredit has not fulfilled any of their promises thus far. I need my credit files with all 3 bureaus to be updated promptly with my new balance and utilization information.
Product: Debt collection

I have contacted the credit bureau regarding my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. How can multiple companies collect on the same debt? I have never heard of nor done any business with them. These companies have yet to provide any validation documentation. I found that to be odd because for one the credit bureau is to report nothing but accurate information about me. As a reference, please see the below accounts in question that must be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency  has failed to state that XXXX purchased this account from XXXX as previous account
Product: Credit reporting

I have disputed the same accounts with Experian numerous times beginning in  XXXX  only for them to claim they verified the information as being correct. I 've asked them for the method of verification and received a letter dated  XXXX   XXXX ,  XXXX  that unless I provide them with " additional '' relevant information they would NOT  re  investigate my claims. They NEVER provided me with the method of verification but just arbitrarily dismissed my dispute.
Product: Debt collection

Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection accounts do not belong to me. Two alleged medical collection accounts with CREDIT COLLECTION SVCS partial account # : XXXX and XXXX. I am attaching a partial credit report and NJ Certified Debtor Search certifying that there is not any debt on my behind. I definitely do not recognize these accounts.
Product: Credit reporting or other personal consumer reports

I filed a dispute on ( Creditors-XXXX XXXX XXXX ) Due to Name and Birthdate I have a relative who has the same name, an date of birth as i do. 

XXXX denied to follow up With the investigation, I recently was notified that CFPB, has filed a lawsuit, against the company for accepting unreliable information, failure to notify consumer dispute results. 
This aligns well with my situation! XXXX has not attempted to remove, not correct any information, Im requesting this derogatory remark be removed immediately as it is affecting my chances getting a ( House, home, car, and sometimes Jobs ) XXXX violated my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a charged off account that was already sold to another company which is also reporting on my credit report- this is double jeopardy, and I am demanding that you delete this account immediately XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX purchased this account, and it is already reporting as a collection account. This is negligence and a violation of the FCRA. You are not reflecting my true credit worthiness and if this is not deleted immediately, I will take legal action.
Product: Credit reporting 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 Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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

XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
TRANSUNION & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : XXXX  MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) TRANSUNION VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( XXXX XXXX XXXX XXXX  CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Product: Credit card or prepaid card

**Misleading and Fraudulent Advertisement of Chase Bank 's XXXX XXXX XXXX XXXX Chase Bank in association with XXXX XXXX issues credit cards that offers the miles for the purchases made using the cards. One such card is XXXX XXXX XXXX card issued by Chase Bank. This card charges variable APR of 16.74 % - 23.74 % with annual fee of {$390.00} ( soon to be increased to {$450.00} as recently notified by Chase ). I have this credit card the terms of benefits clearly states that the accrued miles on XXXX XXXX will not expire as long as the credit card account is active. <P/>I have accrued almost half XXXX miles on XXXX XXXX primarily using the credit card purchases but recently came to know that XXXX has blocked my mileage account and my miles are not available to me now. <P/>It is not in accordance with what Chase has promised and made customers take this credit card product and pay the annual fee with the interest charges. <P/>I contacted Chase Bank regarding this and asked them to refund the annual fee and interest charges as they are not giving me the promised credit card benefits but they refused to refund the money they charged for the undelivered benefits.