23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The third-party debt collector ASPEN NATIONAL COLLECTIONS is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know ASPEN NATIONAL COLLECTIONS and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion incorrect information : XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX incorrect information XXXX  XXXX - ( XX/XX/XXXX ) XXXX - (XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am requesting a copy of an adverse letter. I applied for a credit card and was denied. i have called Citi Bank, and I still don't have the information. I am currently in litigation with the credit reporting agencies. Below is my personal information to retrieve the information.
Product: Debt collection

XX/XX/ {$5300.00} I called the agency and explained I wasnt the owner of the vehicle in state of California. Vehicle Code XXXX
Product: Mortgage

In XX/XX/2018 I purchased a home in XXXX XXXX XXXX, Utah. Roundpoint bought my mortgage so I did not choose to do business with them. They have been difficult to deal with from start to finish. The most recent example when I tried to do a mortgage recast. I made the application following their procedure to the letter. I offered a very substantial bulk payment towards principal reduction - {$360000.00}. After going through their " rigorous calculation process '' ( their words ) they FedExed me legal documents to sign stating that they would give me a {$0.00} reduction in mortgage payments in exchange for a several hundred thousand dollar principal reduction payment. And for this " rigorous calculation '' they charged me {$300.00}. I should also note that they tried to get me to make the premium reduction payment BEFORE they made a decision about my recast. They say it was a mistake - but their " mistakes '' happen on a regular basis and always in their favor. 

I also would like to note their bullying tactics to try to get you to purchase their services. I received a very accusatory call asking me why I had not yet made my monthly payment. It was completely absurd as I was WELL within the timeframe I had to make a payment and my check had already been sent. The person on the phone then went on to imply that I seemed like I might have trouble making payments and that I had better purchase the service or risk adverse consequences to my credit rating. It should be noted that in 24 years of home ownership, I have never missed a mortgage payment once. 

In the best light, this is a horrifically sloppy way to handle financial services. However, I feel there is a pattern here that needs to be addressed. Read the XXXX reviews and look at the recently settled class action suit against them in you will see that I am far from the only person who has experienced these types of issues. 

XXXX XXXX XXXX
Product: Student loan

Company Nelnet is fraudulent. 
All letters from them convey different information. 
From their letters it's hard to understand anything. 
I applied for XXXX program and the woman on the phone said : ok you will be on XXXX program now. And the letters stopped. The letters started coming again as if the phone call never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXXnow filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years.
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts from credit report. I have included my ID, Power Bill, and identity theft report. These have already been deleted by the other credit reporting companies can you please delete also. 

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  Please delete these fraudulent inquiries from 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the XXXX XXXX XXXX XXXX have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.
Product: Debt collection

Alpha Recovery Corp called me and stated there was a debt for apartment lease that was delinquent. I had no proof of debt and asked for documents which I still do not have. I offered to negotiate anyway as I co signed for family to live there. Once I offered to negotiate I was called at inconvenient times, called after I issued cease & desist on a few occasions. I've been threatened, harassed and I am tired of this treatment. I explained to them through email that I would be making complaints and also litigating the matter if it didn't stop which they still continue. Please help me, get this business of my back please. My wife and I are shaken and unsettled which has created much stress.
Product: Vehicle loan or lease

Global lending services car Loan was initiated in 2021 for {$22000.00} three years later the company is telling me my loan is {$39000.00}. They charge {$11.00} dollars a day for late fee and Never abided if they put a payment to the end of the loan they are also adding on additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in 2016 I had A Credit Card Account with XXXX. I Paid The Card Off And Closed the Account. XXXX Is Reporting To Experian That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX That The Account Was Closed At Consumers Request.
Product: Money transfer, virtual currency, or money service

This complaint is in conjunction with a XXXX  XXXX XXXX complaint filed this morning. I got locked out of my account, XXXX so Im using a different email address to file this complaint. The consumer finance complaint filed this morning is complaint number XXXX My mother, Miss XXXX XXXX, purchased four {$500.00} money orders at a XXXX Pennsylvania XXXX store on XX/XX/2019. 

Ive deposited the money orders into my XXXX XXXXXXXX XXXX ATM on Saturday, XX/XX/XXXX. I have transaction number XXXX, XX/XX/XXXX @ XXXX. Cashier. XXXX, STORE # XXXX I found receipts dear, numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and XXXX each for {$500.00}. Please see the attachments. 

XXXX XXXX XXXX deposited the money into my account without a hold and posted a note into my business checking account stating that the monies would be available To cover pending any transactions on XX/XX/2019.

This morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX  XXXX XXXX representative I spoke to you this morning this morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX XXXXXXXX XXXX representative I spoke to you this morning. 

I was charged to bank fees in the amount of {$35.00} each and business transactions were declined. I attempted to call back at XXXX this morning to speak to a different representative to see if they could be escalated and to provide them with the money gram serial numbers. They refused to assist me!!! 

These money orders totaling {$2000.00} or an official investment in my business by my mother. My account is now overdrawn approximately {$70.00} and counting as transactions come in. 

According to XXXX XXXX XXXX, they reached out to Moneygram yesterday during business hours and they were unable to verify these four money orders. 

XXXX XXXX XXXX is a federally insured institution and should have honor their note inside my account. Furthermore money gram is a large money order institution and should not take several days to verify their legal tender document! 

I would like the aforementioned money orders to be verified before XXXX XXXX today before I take legal action.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Student loan

Good Day, I started college in XX/XX/1994 and went on to get several degrees afterward at three different schools ( XXXX University, XXXX University of XXXX, and XXXX ). Navient is my servicer and every time I have requested that the payments be lowered because I have XXXX children, a mortgage, a full-time job, and taking care of my unemployed mom, they have always pushed me to forbearance, which increased the amount I owe. As of today, I owe {$170000.00}. I think that is ridiculous, as I have paid that amount and more in loans over the years. I have been able to do little to put a dent in this because Navient is committed to making sure I pay until I am XXXX years old. I require assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Should be addressed with XXXX and Midland Credit Management. This is against my rights as a consumer. 

The Collections Account - Midland Credit Management is inaccurate and should be They are trying to collect on an account that was paid and satisfied. They are trying to collect on an account that was paid and satisfied in XXXX XXXX XXXX. Please see the attached documents for reference. This is not my debt they have put this on my credit multiple times now. This was removed before from all three bureaus but XXXX allows this to be put back on. 

My Attorney XXXX XXXX XXXX XXXX & XXXX Attorneys ( XXXX ) XXXX at law is in the process of Suing for this false collection against midland.
Product: Credit reporting or other personal consumer reports

Hey, this is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Product: Credit card

According to XXXX, I have a " Fair '' rating n credit inquiries due to XXXX requesting XXXX hard inquiries within a XXXXmonth period of time when I was shopping for the right product with them. They assured me any inquiries would not impact my credit score. When I called to ask why they requested XXXX hard inquiries on my credit report they offered no acceptable response nor any solution. My credit score was negatively impacted in part due to their redundant requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent TRANSUNION an Affidavit of Truth, Cease & Desist, exhibits with circled violations that explains what law ( s ) they are violating, and an invoice asking for remedy. My first complaint was pretty much dismissed and I am still not being treated with respect. TRANSUNION is still illegally reporting on my report and that is messing with my mental help and credit score. I am not able to apply for credit cards because my score is so low.15 USC 1681b-Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible 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

Disputed XXXX XXXX XXXX on Experian, disputed two accounts. Asked for specific details to verify alleged debt. Experian verified both accounts without providing the proper information requested by me. Account XXXX is inaccurate with original balance, past due balance and balance being inaccurate, therefore must be removed pursuant furnishing inaccurate, harmful data. Account XXXX has a past due balance, which is inaccurate reporting since it cant be past due on a collection account therefore I demand immidiate removal.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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: Credit reporting

Equifax is reporting a late payment on XXXX credit card. That entire payment was for fraudulent activity, which was removed from my account by XXXX. Should not be reported as late, not my activity.
Product: Debt collection

I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX to share my information with professional recovery Consultants.
Product: Mortgage

We began the process of a " Rocket Mortgage ''. After giving information online Quicken needed to get our credit report. After checking our credit ( XXXX and XXXX, for some reason it always comes up less in the mortgage process ), Quicken said we needed to contact them to continue as our income is primarily from rental properties. Had we know this in advance, we would not have approved the credit check and subsequent credit hit we would take from it, and I did let XXXX from quicken know about it. After an hour and a half online, Quicken need my tax returns. I was not quick enough in getting it to their online service and was told they would look at it when it was there and they ended the chat. This morning I tried to load my tax returns and I discovered a letter telling me my loan application has been denied for not having my income supported as I was about to do. This is clearly retaliation as I had indicated I would forward this to the CFPB. Now I have a second " ding '' on our credit for the loan denial. Something wrong is going on here and I hope you will examine it. I do have transcripts of the online chat, and the rejection letter.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any inaccurate accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates reported.
Product: Bank account or service

My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.
Product: Credit reporting or other personal consumer reports

ADDRESS THATS NOT MINE XXXXXXXX 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: Credit card

After doing due diligence in reading California and federal consumer laws, I made a proper payment from one of my accounts held at Golden 1 Credit Union on XX/XX/year>. Golden 1 Credit Union has not provided any legal basis in not accepting my payment. Golden 1 Credit Union has not provided a verified response in accordance with California Civil Code of Procedure 2015.5. Furthermore they have been taken adverse actions without resolving the matter, by closing account and submitting negative reporting to the credit reporting agencies. Golden 1 Credit Union has only shown to me that it is not operating under the laws of California and United States and that it does not respect an individual 's rights that are guaranteed by the California and U.S. Constitutions. Golden 1 Credit Union 's accounting fails to show transparency on all transactions done with my accounts.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I have been trying to correct inaccurate items on my credit with equifax for quite sometime now I have sent them documents verifying who I am, I have provided them with my address where I have resided for years, there are several addresses on my account to which do not and have NEVER belonged to me. Equifax has been reporting false information and saying they verified false information that has been damaging to me and my credit profile hindering me from a fair credit report which is illegal and should be remedied immediately. I started this process of dispute months ago due to identity theft from previous years when my items were stolen, my items have come up on the dark web several times and I have been fighting to get these things removed and every time they send me something saying they have verified I have asked time And time again for proof of how these items were verified and what information was used to supposedly verify them because there is no way these accounts have been linked to the correct person or verified as accurate and true. I have reached out to the individual companies and they send me back to contact equifax. This company has already been in hot water for reporting false information for breaches of people information so I would like these items fixed immediately. I am providing a copy of my ftc report, a copy of these inaccurate items that they continue to claim they verified which I am seeing now is just pure laziness and refusal to provide people with complete accuracy this company would like to suppress people and prevent them from being able to fix things without having to jump through hoops when these items should have check for legitimacy before they were allowed to ruin my life.
Product: Student loan

" On XXXX XXXX, 2022, the XXXX signed the Joint Consolidation Loan Separation Act to authorize borrowers to separate joint consolidation loans ( also referred to as spousal consolidation loans ). Once the joint consolidation loan is separated, each spouse would only be responsible for their portion of that previous loan. '' I have 2 loans, one is mine and the other belongs to my ex spouse. In order for me to be able to make fair payments to my loan the loans need to be separated. My ex spouse never made any attempts to pay any portion of his student loan. I asked my servicer AES to please provide updates regarding this signed law. They told me that there was nothing on file showing the spousal consolidation law was approved, let alone my qualification. I am one of the class members and am still waiting for this to show in my records and for AES to properly acknowledge and take proper action regarding this matter. It has been 5 months and there has been no information from the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.