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

I am identifying myself as the consumer, XXXX XXXX. As the consumer, I am requesting to see where Transunion is getting the information of an alleged bankruptcy they are reporting on my credit file! I have requested my consumer report from XXXX which is where Transunion told me they got the information but it is not on my XXXX report. I have wrote to the bankruptcy court who have informed me that they do not report to credit reporting agencies yet, Transunion has the bankruptcy court as the furnisher on my credit file. The fact that Transunion is telling me they got their information from XXXX but is reporting the furnisher as the bankruptcy court is a violation. My report is supposed to be 100 % accurate but it is not. According to 15 USC 1681n you are criminally and civilly liable and can be sued for damages to my file if this is not deleted
Product: Student loan

SUMMARY : I believe that my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that all XXXX of my loans are considered when I submit my final certification and application for loan forgiveness soon. 

DETAILS : I am a public employee, and I originally had XXXX " direct '' loans and XXXX XXXX loan through the the loan servicer Nelnet. I submitted my XXXX certification in XX/XX/2022, and successfully consolidated the XXXX loan to a XXXX loan. 

Unfortunately, XXXX of XXXX my direct loans were never transferred from Nelnet to XXXX ( or to XXXX, who XXXX have been the XXXX servicer at the time ). I believe they should have been transferred due to their eligibility for XXXX, given that I submitted my XXXX certification in XX/XX/2022. 

I've been reaching out to Nelnet since XXXX, but have not received any answers regarding the status or eligibility of the XXXX remaining direct loans that they still currently hold. When asked about these loans, Nelnet consistently relies on sending template-like responses which not only answer any questions regarding the XXXX-eligibility of XXXX loans, but also seems to completely disregard my requests for guidance on how I can help ensure that these XXXX loans be considered for loan forgiveness within the next XXXX XXXX ( as I anticipate meeting the XXXX requirement very soon ). 

As a quick recap, I believe that all XXXX of my my loans with Nelnet were supposed to be transferred to XXXX when I certified for XXXX back in XXXX, and just want to ensure that the remaining XXXX loans with Nelnet are also considered for forgiveness when I submit my final XXXX certification/application in the next XXXX XXXX. 

I have email transcripts of my exchanges with Nelnet to support my account of the situation, as well as a history of all correspondence and documents I've received from Nelnet throughout this time period.
Product: Credit reporting or other personal consumer reports

i just checked my credit for the first time and realized i have inquirires and accounts that are not mine, i need help in removing all these negative accounts that have never belonged to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ITEMS ARE MINE AND HAVE NEV BELONGED TO ME.15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I sent a Request for Information on behalf of my client, XXXX, to Evergreen Home loans requesting information on both her XXXX and XXXX mortgages. Evergreen is servicing XXXX mortgages. Evergreen failed to reply to both Requests. My client was eventually forced to file bankruptcy to stop a foreclosure that was initiated by Evergreen on her second mortgage. We were never able to understand how Evergreen calculated the amount she owed on her XXXX mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the XXXX are they verifying them with you. Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> A representative named XXXX from XXXX XXXX  came to my home to give me a free quote for a new roof. He quoted a cost of {$47000.00} and said that he wanted to do a soft pull on my credit to see if I qualified and that I would have 3 days to opt out if I did not want to take advantage of the offer. After he left I did some research on the company and after reading several poor revues decided to shop around, so I contacted XXXX the following day to tell him and he replies that the materials and crew have already been ordered and paid for so he is willing to cut the price by {$4000.00}. Again I told him no. Then he counters with {$27000.00}. Again NO! 
A week later I receive a credit card in the mail issued by XXXX Bank with my name AND XXXX XXXX on the front of the card. I then checked my credit report and found that XXXX did 3 hard pulls on my credit until he found an amount that would be accepted, the limit on this card is for {$22000.00}. 
I've tried but to no avail. I've contacted the credit bureaus to have this removed and was told that your agency is my starting point. 
XXXX 's ethics are fraudulent and he needs to be punished to the full extent of the law. 
All of my subsequent communications after my initial meeting with XXXX were via text messages so I have written proof of my allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX  XXXX  InXXXX XXXX, FLXXXX  ( XXXX XXXX XXXX 2. XXXX  XXXX  XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that Ive been a victim of identity theft. This is hurting my ability to purchase a home for my family. Please remove the fraudulent account for my credit report. Thank you.
Product: Debt collection

Two claims were sent on my behalf with regard to debt validation for NAVY FEDERAL CREDIT UNION for a balance of XXXX dollars. Each time I did not receive the requested documents to validate the debt in question. I am still receiving phone calls, but have yet to see documentation to validate that there is or ever was a contract between me ( XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION ), and proof that the debt was not paid with my wet ink signature.
Product: Mortgage

This loan company has refinace my parents home at lease twice over the decades.They were paying {$570.00} a month, as of XX/XX/XXXX they was told their Insurance was being cancelled and their payments was gon na be XXXX a month. At one time they was told the signed off on a {$52000.00} loan in XX/XX/XXXX. My Dad was XXXX yrs old then, and had no clue as to what was happening to them! Since that time our Father XXXX XXXX in XX/XX/XXXX, leaving all of this on her. She had to move out of the house, and is in the process of trying to sell it. One problem my parents still owes {$6500.00} on the loan. We can '' t find any paper work on the contract they suppose to have sign.The loan company says they ca n't go back that far, and that they do not have the contract or papers explaining what went down, and how it went down! My parents did not know the would be still paying on this loan in XX/XX/XXXX. They made them think they were saving money, when they were actually paying more, over a longer period of time! From XX/XX/XXXX to again in XX/XX/XXXX to now XX/XX/XXXX. Can You Believe!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
Transunion  : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX  {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Product: Debt collection

I had a medical bill that became delinquent it was giving to I C systems
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX A XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.
Product: Debt collection

Ad Astra Recovery Serv refused to remove a fradulent account from credit report after proof of identity theft was given and they could not supply any personal loan identification Social security number taken through data breach was all and a fake contract without signatures or identification.
Product: Vehicle loan or lease

I was scheduled to return my car lease but my tire blew out and the car needed repair. I informed the dealership that I would return the c ar one day late, which I did. Because the car was returned one day la te, the original creditor,  JP Morgan   Chase,  marked the account as a " charge off '' and also a late final payment. Because of this, my credit report has been destroyed.     The irony is that I ended up buying the same car at lease end. It was financed through the same bank ( for extremely high interest rat e ) a nd so they are actually benefiting from destroying my credit report.     I have all necessary documentation, including proof of both the tire blowout and my contact with the dealership. I 've provided it to  JP Morgan but t hey 've declined to help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX - XX/XX/year> :
Product: Money transfer, virtual currency, or money service

My {$290.00} XXXX funding did not appear in the balance of my account when I'd expected. I first contacted Cash App 2 days later. They only responded that if I still hadn't received it after 5 days, to contact them again. I contacted them several times a day, everyday, they continued to respond that if I still hadn't received it after 5 days, to contact them again. This went on until the following Saturday when I mentioned, during my contact, that my XXXX was FDIC protected. They finally told me that they did show receiving it on XX/XX/year> and that they'd PROCESSED it on XX/XX/year>. As they'd had it for over a week, I asked why they hadn't made those funds available to me. They changed their script to they were sorry I was disappointed in the answer they'd given me, they had NEVER answered my questions, that if I still hadn't received it in 5 days to contact them again. It has been XXXX weeks now and they still haven't made my {$290.00} XXXX funding available to me, despite my repeated demands to make my {$290.00} XXXX funding available to me. Even though the law governing it says that it must be distributed to me the next business day, after they processed it, unless that day fell on a weekend. The next business day, following the business day that they processed it was, XX/XX/year>. The only thing that has changed in this matter is that now they've added to their patter, the lie that I'd reached out with XXXX XXXX questions. I was employed by the XXXX XXXX Internal Revenue Service for 6 years and after that by XXXX as a store manager. I know where I can find all of the answers to any tax related questions and it is NOT by asking Cash App. I do want to add that they documented my XXXX funds as a paycheck, I'm not sure if it matters. This I am sure of, I am STILL waiting on Cash App to make my {$290.00} XXXX funding, that they processed on XX/XX/year>, available to me. I also know that I still want my {$290.00} XXXX funding that they have failed to distribute to me. They might try to claim suspicion of fraud but that {$290.00} came from the XXXX XXXX Treasury, the same as last month. I was the intended the recipient, same as last month. The amount of my XXXX funding is the same as last month 's payment, {$290.00} so, why would there be concern over fraud? I have called every federal and state agency I can think of, asking for help. I emailed one of the two co-founders of Cash App about this matter and nothing, no one, can seem to budge them from, what ever their position is. As I mentioned, they haven't even deigned to tell me WHY they haven't made my {$290.00} XXXX funding available. At this point frankly, I don't give a XXXX what their reason is, I just want my {$290.00} XXXX funding made available to me. I'd very much like to pay my XXXX rent. I'm XXXX and handicapped, with XXXX small dogs and only a walker for transportation. I don't want the threat of eviction hanging over my head!
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a XXXX  XXXX XXXX XXXX and it was a voluntary repo with Exeter finance and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.
Product: Credit reporting

I have disputed my collections accounts with XXXX and Experian. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied online for a XXXX 's store credit card through XXXXXXXX XXXX. I received a letter declining credit because Experian was reporting me as deceased.
Product: Credit reporting or other personal consumer reports

I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from XXXX, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.
Product: Mortgage

I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.
Product: Debt collection

3 debt collections companies have published debts onto my credit report made in my former name, with my ssn, the I did not make. 
1.Hunter Warfield , on behalf of XXXX XXXX XXXXXXXX XXXX lease was XXXX, {$7300.00} XXXX XXXX, on behalf of XXXX @ XXXX XXXXXXXX XXXX XXXX XXXX Lease was XXXX, {$7900.00} XXXX, on behalf of XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, {$8200.00} My identity has been stolen, and used at these properties in XXXX. 2 police reports have been made, and available at request.
Product: Credit reporting

I FILED A SERIOUS COMPLAINT AGAINST XXXX FOR SELLING DEFECTIVE COMFORTER TWICE TO ME AND REFUSING TO EXCEPT IT ON RETURN. I WANT TO KNOW IF ANYTHING IS BEING DONE? AS THEY PUT A LIE ON MY CREDIT REPORT OF {$140.00}. I OWE THEM THIS IS A RIGHT OUT BLAT EN LIE, I DO NOT OWE THEM FOR SELLING ME A DEFECTIVE COMFORTER
Product: Checking or savings account

On XX/XX/XXXX I was informed that my account was under suspicious activity. I was a check along with instructions 2 deposited into my account. Then the focus turned toward me and I became the one that was under suspicious activity in my account. The policy state that I will be able to get my funds within 3 to 5 business days 7 to 10 business days. I was never able to get full control on my account. As I spoke with their representat I've got the run around. I was beening sent bank statement stating that the account was allowing Merchants to get money from my account but they froze my cards and I couldn't ever get my money back even unto this day.This investigation lasted from XX/XX/2022 until XX/XX/2022.
Product: Credit card

I have been up to date on my synchrony bank Lowes card forever. In XXXX they just reported a 30 day late payment so logged in online and it said I was up to date and no payment due until XXXX so I paid anyway. 

When asked I was told this payment missing was in XXXX??? For {XXXX 

How in the world can I be up to date for months and a muster late fee appears? I need this off my report as I am in the process of buying a house.