23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX and my husband ( XXXX XXXX XXXX ) and I had our accounts levied on XX/XX/XXXX and would to verify that the debt is legitimate. The company that issued the Levy is called XXXX XXXX XXXX We have not received any correspondence from this company by mail or phone that we are aware of. I was told when I called that the levy was based on a judgement that was issued XX/XX/XXXX based on aChase bank credit card account issued in my name.
Product: Mortgage

I applied for a HELOC on XX/XX/year>, with loan officer XXXX XXXX through my mortgage company Newrez/Shellpoint or whatever it is they call themselves to fund necessary home improvements, particularly to address a leaking basement. XXXX took my information, pulled my credit score ( which was XXXX at the time ), and confirmed that I qualified for a conventional loan with a 10.93 % interest rate I promptly submitted all requested documents, including check stubs and W-2s, per her request on XX/XX/year>. She assured me she would review everything within 24 hours and get back to me.

However, a week passed without any response, despite my multiple voicemail messages. When I finally received the approval paperwork two weeks later, XXXX had not reviewed anything with my prior to signing all the necessary paperwork to complete the loan process. I had to call and email her with questions, but she remained unresponsive. Eventually, she informed me via email that her phone line was unreliable and that email was the best way to reach her. Never heard of such from a corporate business office. 

As the 30-day deadline for the loan terms and conditions approached, XXXX mentioned that verifying my employment would take 72 hours due to a third-party process. After three days without any response, I contacted the main office. A representative there sent XXXX a chat message, to which she quickly responded, promising to call me back. Of course she did not call me XXXX emailed me on XX/XX/year>, stating that she had just received my employment verification that morning and that my loan was denied due to insufficient income and that I could try for a refi again but it would not be approved because of the problems with my home the appraisal would fail. Naturally, I was livid because the entire process was marked by poor communication, unprofessionalism, and misleading information. I tried calling her again, but she did not answer, and I couldnt reach her even through the home office. Everyone I spoke with gave me the runaround and refused to let me speak to a supervisor. 

I received a letter in the mail dated XX/XX/year>, stating that my application was incomplete and that no necessary information to process my loan had been received ( I still have the letter ). I have never missed a mortgage payment in the five years Ive lived in my home. For someone to pull my credit, tell me I was approved, and then fail to provide the necessary follow-up or communicate effectively with a paying client is unacceptable and potentially grounds for legal action due to inaccurate consumer reporting. 

I feel extremely disrespected by the rude and nasty behavior of the agents I spoke with. I demand an explanation in writing for why my loan was not approved and request that a person in charge call me to review the reasons for denial with me. Additionally, I want this false loan application removed from my credit report immediately. Please let me know if I can provide any additional information as I still have all documents received that I was told to shred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion closed a dispute in XX/XX/XXXX on my credit report stating the investigation was properly investigated and results came back verified as accurate and REMAINS. This is inaccurate because date of last payment is XX/XX/XXXX which is inaccurate, and date closed XX/XX/XXXX is inaccurate. From XX/XX/XXXX through XX/XX/XXXX no data is available as shown on Transunion. Starting in XX/XX/XXXX my student loan account shows a late payment of 90 days which is inaccurate. From XX/XX/XXXX through XX/XX/XXXX each month shows 120 days late which is inaccurate. Transunion shows that my reported last payment date is XX/XX/XXXX. How then is it possible 11 months later on XXXX of XXXX I am showing 90 days late? 
Transunion reports that my removal date of this debt is XX/XX/XXXX this is inaccurate. Wouldn't my removal date be XX/XX/XXXX at the very minimum? These inaccuracies are grounds for removal as they are clear violations of my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Married couple are co-borrowers on mortgage. As a sole proprietor for a business, one borrower had to file for business bankruptcy. Our home loan was NOT part of the bankruptcy. All mortgage payments have been made monthly. As of XX/XX/2023, our loan statements were labeled " bankruptcy loan statement. '' We were charged {$900.00} from Flagstar for their attorney 's fees, even though this loan was not included in the business bankruptcy. The bankruptcy was completed and filed on XX/XX/2023. Flagstar was notified by our attorney that the plan was approved. We received a letter date XX/XX/2023, that " we are committed to working with you to find the best solution for your current needs. '' On XX/XX/2023 XXXX XXXXXXXX we called Flagstar and was told our loan was in bankruptcy and do to this, we no longer have online access and all payments need to be made by phone. When asked when we were notified of this, XXXX XXXX who claimed she was the supervisor, stated the " system '' was down and we were sent a letter on XX/XX/2023, also claiming we should have known this already. To this date, we have not received this letter. When told we have not received any such notification XXXX informed XXXX that " they don't control the post office. '' There has been no notification on the loan portal, where we make our payments, Flagstar also has both of our email address ' and cell phone numbers. At no time was any attempt made by Flagstar to notify us using any other means they had at their disposal.
Product: Debt collection

I contacted  XXXX   XXXX  after noticing that this alleged account was removed  THREE  TIMES in  XXXX  - specifically  XXXX   XXXX  and  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . This collection agency has reinserted themselves back as Credit Bureau  of Lancaster,  to which I never got the 5 day notice &amp; this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because  XXXX   Hospital  does not have these records, and was referred to contact  XXXX   XXXX   XXXX  who handled some old accounts according to  XXXX  Hospital, they too have no records. Today,  XXXX / XXXX / XXXX  - I called  XXXX  today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry of my credit report were made to financial institutions without my knowledge. 

The institutions were : M & T Bank, XXXX XXXXXXXX XXXX and XXXX XXXX. 

Plus other financial institutions. 

Froze all my credit reports. 

Put dispute resolution in the credit bureaus.
Product: Money transfer, virtual currency, or money service

I mad an instant withdrawal from my Coinbase account. The funds never arrived. I contacted my bank and provided them with the transaction reference code Coinbase sent me. They said it was not verifiable because it was not an ACH transaction number. I then went to Coinbase customer support, which took several days of XXXX hours on hold trying to contact someone through a deliberately dissuasive customer support system. When I finally contacted support, all they said is they " investigated it and it shows the transaction was successful on our end. '' They asked me to provide bank statements to verify the funds never made my account. I provided the bank statements on 5 separate occasions, which clearly show that the funds never made my account. They failed to acknowledge my evidence, they just say they " investigated it and it shows the transaction was successful on our end. '' I went back to my bank with this information again, they said that, without an ACH verifiable transaction number, they can not verify or track the transaction.

Since, Coinbase has entirely failed to make any other reasonable effort to remedy the issue. They have failed to provide an ACH transaction code, they have failed to acknowledge my evidence that the funds never reached my account, they have failed to make any effort to communicate with the bank, and they have failed to provide any evidence other than their word that the transaction was successful. I provided the evidence they requested to prove that the funds never reached my account, and they ignored it entirely. I have yet to receive my instant transfer, I have the bank statements to prove it, and Coinbase is saying that's irrelevant. I want this theft to be documented, along with their blatant negligence to provide reasonable customer support or conflict resolution.
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. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

THEY ALSO STATED THE ACCURATE IS REPORTE 100 % ACCURATE TO MAXIMUM POSSIBLE WHICH IS NOT.

THE DATE ACCOUNT WAS OPENED IS NOT REPORTING ACCURATELY.

IT DOESNT HAVE ORIGNAL CREDITOR OR WHO IT WAS SOLD TO REPORTING.

THEY FULL ACCOUNT NUMBER IS NOT REPORTING.

THEY DONT HAVE ANY CONTACT INFORMATION PROVIDED ON EXPERIAN WEBSITE. 

THEY SAID IT WAS AN REVOLVING ACCOUNT WHICH IS INACCURATE, XXXX SAYS DIFFERENT.
Product: Credit reporting or other personal consumer reports

Recently I have been a victim of identity theft because someone used my identity to apply for credit card. I have already disputed the fraudulent inquiry from my credit report but upon checking my credit report thoroughly i have noticed that my last name is spelled wrong on the credit report too. My last name is XXXX but whoever stole my identity messed with my credit file and made a mistake in my credit report spelling my last name XXXX. It should be XXXX instead of XXXX Please dispute and change my last name to my actual last name which shows on all my government documents and social security.
Product: Student loan

In XX/XX/XXXX I enrolled at XXXX XXXX for XXXX XXXX in XXXX, CA. During the admissions process, it was determined that I did not qualify for federal student loans due to family income levels. The school recommended that I take out private student loans with a company they had a relationship with which would cease servicing XXXX students soon. I learned in XXXX that the reason for this is that XXXX had legal and financial troubles that threatened its accreditation. In my sophomore, junior and senior years XXXX recommended that I and a co-signer apply for private student loans through Sallie Mae which later were transferred to Navient. I was warned during these periods that if I failed to promptly get a private loan or find some other way to pay for enrollment, that I would be kicked out of classes and my credits would not be able to transfer to other colleges including credits for XXXX courses I had already completed. During every enrollment period I was strongly encouraged by the school to take out private student loans to attend either directly or by being threatened that I would be removed and my credits would not be transferrable to continue my education elsewhere. 

When I began attending in XXXX, the school promised job placement assistance via an organized externship program. Prior to my graduation in XX/XX/XXXX the externship program was suspended. When I attempted to use the job placement assistance programs, the information provided was almost universally out of date, incorrect, or pointed students to the wrong points of contact. Myself and the majority of other graduating students in my class had extreme difficulty finding employment within our fields, and nearly all graduating students in my class did not find stable permanent employment until we stopped searching for jobs relevant to our specific degrees such as public service sector and retail work. 

The records I have show that between XX/XX/XXXX and XX/XX/XXXX I paid approximately {$45000.00} to Navient and Sallie Mae to attend a school that used high pressure tactics, deceptive advertising, and changed service expectations to deceive students into overpaying for limited services. I refinanced my student loans in XXXX and still owed over {$65000.00} in principal. My original tuition was calculated as {$49000.00} plus stipends worth {$21000.00} for a total of {$70000.00} for my sophomore, junior, and senior years. 

I believe that under the Holder Rule, my payments made between XX/XX/XXXX and XX/XX/XXXX were made for a deceptive or fraudulent service. On XX/XX/XXXX I submitted a request for a School Misconduct Discharge Application. I received a rejection later that morning stating that my loans were closed at Navient and are not eligible for the School Misconduct Discharge Application. I believe that per the Holder Rule, I have a right to apply to have my previous payments refunded as I borrowed to receive what I believe to be a deceptive or fraudulent service.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion alert states that i recieved a hard enquiry on my report from " XXXX XXXX ''. no idea who it is, they can not tell me who it is and phone numbers ask to leave message
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit fileXXXX 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

On XXXX XX/XX/XXXX, the XXXX Department, Revenue Division of the City of Kansas XXXX, Missouri ( XXXX ) notified me by mail that they are attempting to collect a city earnings tax. The FD-KCMO notice claimed that I owed a XXXX " profits '' tax of {$660.00}, including penalty and interest ; the notice, however, contained absolutely no documen- tation, computations or any evidence to support its claim. By letter dated XXXX XX/XX/XXXX, I informed the FD-KCMO that my only XXXX income was from Military Retired Pay ( {$37000.00} ), Social Security XXXX XXXX {$16000.00} ) and interest ( {$340.00} ). These same amounts were listed on my federal and state income tax returns. The XXXX 's XXXX website clearly states : " Retirees whose income is from Social Security XXXX XXXX, retirement accounts and other non-earned income sources do not pay the e-tax. '' Notwithstanding my reply to the FD-KCMO, it then submitted my alleged debt to a local collection agency. I then made a written demand to the collection agency to provide validation of the debt pursuant to the FDCPA. In my letter, I demanded " copies of all documents and/or computations '' that purport to support the claim of profits taxes. I also put the collection agency on notice that the XXXX 's XXXX recitation of the claimed debt would not suffice. Nonetheless, the collection agency 's " validation '' of the alleged debt merely repeated the FD-KCMO 's XXXX of profits taxes, and included no supporting evidence whatsoever. The collection agency then informed me that, having provided the required " validation, '' they will resume collection activity. 

In short, the FD-KCMO is making a bad-faith attempt to collect a fraudulent debt. It continues to refuse to provide any evidence to support its claim for XXXX profits taxes.
Product: Debt collection

I have sent XXXX letters now XXXX with tracking with signature confirmation they signed for it and still call and send letters. I requested them to cease all communications but they refused and think they are above the law. I have called and sent emails as well calls and massive amounts of mail come from them. The tracking number that they signed for is XXXX XXXX XXXX XXXX You can see if was signed for and received. At this point, they are willfully violating the FDCPA. I don't know how many more times I have to send them a cease and desist letter for them to ignore it even will it was signed for and reviewed by their staff. 

Reputable debt collectors do not violate the FDCPA and I would advise anyone reading this review not to communicate or do business with this company that does not follow the Fair Debt Collections Practices Act ( FDCPA ) which is the law! 

Legal action is being considered for FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX loan account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt.

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.
Product: Bank account or service

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}
Product: Debt collection

The debt to XXXX XXXX was paid. This collection agency is trying to collect on a debt that does not exist. I told one collector on the phone that this debt does not exist and they said they did not believe me.
Product: Mortgage

I sold my home in XXXX in XXXX shortly after having used a Covid program to avoid foreclosure. During my closing process the loan servicer changed from the one I had made arrangements with for Covid relief to another called Mr. Cooper. At the time of closing I placed more than the value of the subordinate loan into escrow to wait for me. Cooper to file the claim. It has been nearly a year since closing and they have made no indications that they are anywhere near being able to accept my repayment of the Covid relief loan and complete my transaction with the closing attorney.
Product: Vehicle loan or lease

I was paying my car loan monthly when I went out of the country for a few months. I continued paying while I was out of the country and the car was parked while I was away. One day I got an alert from XXXX XXXX telling me that a repossession had been added to my credit report. I contacted my loan provider asking why my car would be repossessed when I am paying and the rep said my car was towed for parking tickets and they repossessed the car from the tow yard. I explained that I was out of the country and wasn't even aware that my car had been towed. They told me I would have to pay this huge dollar amount to get the car back which included two fees that they said they paid to get the car. I told them I could be back in the US in about a week and by the time I had gotten back they had sold the car. So now I have no car and a repossession on my credit report. I want this negative reporting removed because I was never even allowed to rectify the situation and I paid my own note every month.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Experian notified me that my XXXX account report a change to positive payment history. On XX/XX/2023, I asked why my report had not changed. I was told it would take 30 to 45 days. Today, XX/XX/2023, I noticed that the balance was updated but the account status still says late payment. I also tried to dispute it and was prevented from doing so. So, I am submitting this complaint to make sure my report is updates as this is negatively affecting my credit.
Product: Debt collection

am sending this complain on something on my credit report that is in accurate and that I did not authorize. in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose.