23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband died in XX/XX/XXXX, complications due to XXXX, while vacationing in Vermont. After his death I discovered, my husband took a home equity against our home. He is the only signer on the account HOWEVER I am on the original mortgage AND I am on the deed. Since the pandemic I was granted two cycles of forbearance, now expired. I am trying to speak with ANYONE in SLS and they will not speak with me OR my attorney and give us the payoff for the closing. They are insisting on probate and a court-appointed representative. According to the Massachusetts licensed estate, bankruptcy, and real estate attorneys I have consulted, this is NOT necessary as we had a will. SLS is unwilling to allow us access to this debt, by speaking with me and providing a payoff and therefore have begun foreclosure proceedings. The last conversation my real estate attorney had with SLS was on XX/XX/XXXX. I have a purchase and sale agreement from XX/XX/XXXX, and a projected house closing in early XX/XX/XXXX. I have been attempting to speak with SLS and obtain information since XX/XX/XXXX. I am trying to dissolve this debt. I called today XX/XX/XXXX requesting the payoff amount but was refused this information. I have the money but I am unable to obtain an exact amount as my deceased husband was the only authorized party. According to Massachusetts law, I am the authorized party as I am the surviving spouse ( with a will ). I am being held captive by this loan company and its unethical policies and their practices may impede the closing on my home.
Product: Credit reporting or other personal consumer reports

I have sent numerous messages explaining that this is an erroneous report to XXXX XXXX and XXXX but collection remains on my credit report. I need collection account from NCB management services removed immediately and the harassment stopped from this company. 
This is not my debt
Product: Debt collection

Like they have the statement of the account it says that the amount of the total of {$1800.00} was payed andthe only amount that ia owe it is just the total of {$480.00} by the date of XX/XX/2015 i am notice that they actually had the account with the wrong total. And i notice that if the amount it is {$480.00} iam willing to pay that amount with a fare payment plan. I whent to the collection agency community statemants and i notice that this agency had have a lot of negative comments of there services and that others had the same or similar problem that i have with the agency. like isayed if i owe the amount of {$480.00}, iam willing to pay but with a fare payment plan.
Product: Credit reporting

I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report.
Product: Credit reporting or other personal consumer reports

ALLY XXXX XXXX  XXXX XXXX XXXX 
XXXX TEXAS XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Ally Auto Account # XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or experiences between the consumer and the person making the report ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX you reported transactions from Ally account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on my account Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 

Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Best regards, XXXX XXXX
Product: Vehicle loan or lease

I paid off my auto loan with USAA in XXXX, but didn't receive a copy of the amended title. CA XXXX states that USAA completed the form incorrectly, and that I must now pay to get it amended before I can get a copy of the title. I need a copy of the title as I have recently relocated to XXXX, where I need to register my vehicle. USAA rather than completely release the Legal Owner, just transferred the Legal Owner to my name, so I am currently listed as both the Registered Owner and Legal Owner. CA XXXX XXXX that this is not correct, and that in order to get a copy of my title I now need to remove myself as the legal owner ( leaving me only as the registered owner ) by filing an Application for Replacement or Transfer of Title ( XXXX XXXX ) form. XXXX XXXXXXXX XXXX that this was an error on USAA 's part but while USAA acknowledge that they did exactly what the XXXX XXXX they did, and don't suggest that the XXXX is wrong, that they didn't make an error and that they did it that way intentionally. 

A {$27.00} Replacement Title and {$15.00} Title Transfer Fee will be charged to process this request by XXXX XXXXXXXX, and despite acknowledging that they did process the transfer in the way the XXXX XXXXXXXX stated, they are refusing to acknowledge that they made an error. I also need to pay to get the form notarized. 

Additionally I was told by USAA twice that the title was mailed to me, which it wasn't. Which they refuse to acknowledge or apologize for.
Product: Money transfer, virtual currency, or money service

Zelle XXXX with XXXX. I was scammed by a fake company known as XXXX XXXX XXXX. They asked for payment through Zelle, and then disappeared. XXXX and Zelle could not refund me my {$300.00} because Zelle has some non-refundable policy.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I submitted a formal dispute through the CFPB case # XXXX that not only was TransUnion the ONLY, yes the ONLY credit bureau reporting false information about my XXXX student account to my report I also submitted XXXX XXXX XXXX as proof and noted all of the rights of mine that they were violating by keeping this misinformation on my report! 
Not only did they not properly read and look at my proof they didnt even bother doing an investigation AT ALL!! In fact it looks like they tried to update them to be even MORE DELINQUENT WHAT A JOKE!!! 
AS YOU CAN SEE AND READ FOR YOURSELF XXXX sent me a letter themselves on XX/XX/XXXX stating the FACTS, that this is to be REMOVED of any and ALL NEGATIVE DERAGATORY REMARKS!! But also TRANSUNION has this account on there TWICE and there is ABSOLUTELY NO WAY WHATSOEVER they did any kind of due diligence if they had XXXX would have told them exactly what I stated in the first complaint! 
Anyway I DEMAND that BOTH OF THESE XXXX accounts HAVE TO BE COMPLETELY REMOVED as they arent on ANY OTHER CREDIT RRPORT PERIOD, AT ALL, WHATSOEVER. They were SOLD AND TRANSFERRED in XXXX ( it even says that on the report ) and they were removed all together from my credit report TRANSUNION has been violating my rights for YEARS!!! YEARS!!!
Product: Debt collection

This account is paid in full. It is not charged off, and needs to reflect this. They contacted my employer and served papers at my employment. I called prior and told them i would pay off the loan and did just that. 

They were told not to contact my employer but did anyway. They sent mail after mail and had someone actually show up and act like I was a bad person saying I was late on my bills. 

Not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : Account Number : 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 XXXX 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: Mortgage

I faxed loan modification reinstatement documents to the Wells Fargo Home Preservation Department on Friday, XX/XX/XXXX, at XXXX, at Wells Fargo Bank Branch , XXXX , CA. This is my fourth submission for loan modification. In addition, I have applied and been approved three times with KYHC, but Wells Fargo has rejected the funds. As a result, I am in foreclosure in three days, XX/XX/XXXX. I need immediate intervention to stop this illegal foreclosure sale of my primary and only residential property, purchased in XX/XX/XXXX. Predatory loan originated in XX/XX/XXXX when I refinanced the loan with XXXX with brokerage agent. As a result my excellent credit has been destroyed and my health has been greatly compromised. Please review this case ASAP. Thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar. 

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education. 

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with XXXX  young children because we can not qualify to rent anywhere or get a mortgage. 

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately. 

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance Owed : {$0.00} ; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) 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 section 623 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I Purchased a new roof for my home from XXXX 's XXXX XXXX on XX/XX/2017. I received several estimates prior to going with Lowe 's. I went with Lowe 's because I trusted they would likely stand behind their product and services and additionally they provided a 10 % discount to veterans which I fall in that category. My original estimate was approximately {$9000.00}. After speaking with the Pro Desk salesman, and talking about the decking that is common for houses in my neighborhood at the age of my house 50 years, I was told that Lowe 's would not be able to do my job without continuous plywood decking. That added an additional {$10000.00} to my job. My new quote totaled out to {$19000.00}. This is with an estimated 46 squares of shingles. After discounting was applied at {$3600.00}, I walked out with a total of {$17000.00}. 
I ended up calling my local county building code inspector who verified with Lowe 's that the additional decking was not needed or required. I informed the salesman from Lowe 's that I did not want or need that additional decking and was told that it would be returned with all the unused product. Every other roofing company including Lowe 's included 400sq.feet of additional wood for repairs when the old shingles were removed. Lowe 's used 400 sq. feet of decking on my garage roof area with the job. At completion, I returned 125 sheets of plywood decking out of 140 sheets. I returned 25 packs of shingles, 2 rolles of 4 synthetic roofing felt and several ridge vents. I was told it ended being 40 squares used. That was 2 squares over what other roofers estimated. After returns, my total ended at {$12000.00}. This is a 30 % markup over every other estimate. I got a total of 6 estimates before settling on Lowe 's. This should've been a {$9000.00} project.
Product: Credit reporting or other personal consumer reports

I checked my credit score on mXXXX XXXX XXXX app. in late XXXX and noticed that my credit score had fallen about 140 points. After looking at my report I found 6 late payments reported to my credit. These XXXX late payments were all from the student loan servicer Nelnet. These late payments were posted on XX/XX/2024. I called Nelnet and they had no record of me having a current student loan with them. After they investigated further, Nelnet found that my student loans were serviced by them in the past ( XXXX ), then transferred to another servicer ( XXXX ). My Nelnet account shows that the loan was paid in full and closed once it transferred. I asked Nelnet if I had any late payments during the time they serviced my loan. My account did not show any late payments. Further, I asked if they had reported late payments to the credit bureaus and they said no. 

I submitted disputes to XXXX and XXXX. XXXX did not have record of this late payment reporting. After XXXX and XXXX 's investigation they reported back that they contacted Nelnet and Nelnet disagreed with my dispute and that there was not an error in their reporting the late payments. XXXX and XXXX said I needed to contact Nelnet. 

I called Nelnet again and explained the credit reporting dispute results. I asked if they had been contacted by the bureaus. They said they had not and that they had not sent any statement to the credit bureaus about disagreeing with the dispute. I'm not sure how the investigation yielded a statement of disagreement from Nelnet if Nelnet wasn't even contacted. I asked to speak with a manager and she confirmed that there was no record of being contacted, or contacting any credit bureaus. I asked Nelnet if I could get a letter stating that I did not have late payments and that they did not make any report to XXXX and XXXX. They were not able to provide me with anything. Nelnet suggested that I call the credit bureaus. 

Again, I called XXXX and XXXX. They were not able to help resolved the issue and directed me BACK TO NELNET. 

I have been going back and forth between credit bureaus and Nelnet and neither can give me an answer about the late payments reported on my credit. No one can provide evidence of the late payments. Nelnet said all my accounts were paid in full and closed and there was no evidence of late payments. If Nelnet is saying they never reported late payments to the credit bureaus and the credit bureaus are reporting that they spoke to Nelnet how is this issue going to be resolved? 

I have impeccable credit. This is evident in my credit report history. No late payments until this student loan with Nelnet. It is concerning that no one can seem to figure out who or how it was reported. I need help figuring out how to clear these false reports from my credit.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. 

The statue allows for multiple reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is showing XXXX different open dates a cross the bureaus on XXXX it is showing XX/XX/XXXX, XXXX XX/XX/XXXX and on Equifax XXXX.The high balance on XXXX is {$370.00}, the high balance on XXXX {$0.00} and the high balance on Equifax XXXX XXXX.On XXXX the Credit limit is {$100.00}, on XXXX it is reporting as {$100.00} and on Equifax it is report as XXXX  XXXXLast reported Date on XXXX is XX/XX/XXXX, on XXXX XX/XX/XXXX, on XXXX XXXX.The last active date on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. On Equifax shows no date of last Payment, XXXX shows no date of last payment, and Equifax shows date of last payment XXXX.Updating with the Charge off Status every month munipulating the statue of limitation on both XXXX and Equifax.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Equifax failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account : Account name : XXXX Account : XXXX Enclosed is a Screenshot of my XXXX and XXXX Credit Report Providing proof