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

Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, Trans Union and XXXX has been reporting inaccurating information to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against XXXX. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for XXXX to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. XXXX and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.
Product: Mortgage

My mortgage services was LenderLive. https : //www.lenderlive.com/ I have been calling the customer service line and was put on hold multiple times for over 45 minutes without anybody picking up the phone. I emailed twice and never received a response. I did not get my tax document either, which is why I was calling. It is very frustrating not to be able to talk to somebody about my loan and receive tax documentation. I need to file taxes asap.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear XXXX XXXX TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/2024, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Student loan

On XX/XX/2021 I contacted Great Lakes Borrower services to get information on compassionate reconsideration for late payments on a previously defaulted XXXX XXXX # XXXX. I was instructed to mail in supporting documentation and did so. I sent corroborating documentation showing not only was I on XXXX XXXX XXXX from work during the timeframe of the delinquency but I was also XXXX and without a working phone. This was shown in email correspondence with case workers from XXXX XXXX XXXX XXXX that they received a message that my phone was out of service when they tried reaching me. Great Lakes Borrower services agents told me that notification was mailed to my address that my loans were in danger of being transferred to collections but od be evicted from my apartment and therefore could not have received that notification. During the time I was XXXX I did contact Great Lakes Borrower services to try and apply for payment relief but was told there were forms that needed to be submitted to prove my financial circumstances had changed but without a permanent address because of XXXX or working phone or valid identification this was impossible given that correspondence would need to be submitted either by fax or scanner or email none of which I could afford since these services are not available free of charge in the city where I live. After submitting these documents I was told that even though the documentation proves my financial circumstances would have qualified me for relief since they were not submitted prior to the loan default then no consideration would be given. I asked why that might be an was told that rule was at the discretion of the Department of Education. On XX/XX/2021 I contacted the Default Resolution Group on behalf of the US DEPARTMENT OF EDUCATION and was informed by a supervisor that no such policy exists and that sole discretion of compassionate reconsideration of late payments was completely up to the loan servicer. Im asking that my case for reconsideration be given based on the merits of the information I submitted and not a nonexistent policy supposedly put in place by the department of education. Ive attached all the documentation sent to Great Lakes Borrower services.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Highest Balance : {$1900.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$1700.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$390.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$960.00} Account Name : CO CHILD SUP Account Number : XXXX Highest Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$320.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$830.00} Account Name : STATE OF COLORADO CH Account Number XXXX XXXX Highest Balance : {$0.00} I am writing to request a thorough investigation and correction of inaccurate information on my credit report. These items are either incorrectly reported or have already been resolved, and I kindly ask that they be reviewed and corrected accordingly.
Product: Mortgage

Mortgage has been sold to upwards of seven different lenders XXXX XXXX - unable to provide a correct payoff amount ( requested by consumer and attorney close to two years ago ), provided the wrong amortization schedule, refused to refinance despite over 50 % owner equity in the home which could be used to refinance, never responded with a correct amount for payoff, refused payments, unable to access their online portal due to loan status, sold the mortgage back to a previous lender ( Shellpoint/NewRez ) Shellpoint - Recently acquired the mortgage ( XX/XX/year> ). Increased the amount due on statements by close to {$15000.00}, took over seven days to provide a payoff amount of which is over {$120000.00} more than any statement received, no response in a week to attorney 's request for itemized explanation of the significant increase in amount owed for the payoff. 

Concerns about the multiple changes in mortgage companies and potential for additional fees that may not have been clearly disclosed. Concerns about ownership of the various companies and present/past relationships between the companies. 

There appears to be a lack of disclosure of consumer information which the consumer has the right to have disclosed. 

There appears to be an attempt to acquire the property without offering opportunities to make payments which reduces options to refinance ; undisclosed and unexplained changes in consumer debt which is close to an increase of close to 1/2 the total amount of the loan ; lack of responses to emails, phone calls that either do not go to a person or require hours of hold time, disabling access to online lender portal reportedly due to status of the account, refusal of payments. 

Potential for financial profit for lender is very high due to property value and equity in the home.
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 XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Product: Credit card or prepaid card

I submitted a payment to my Self Financial credit card on XX/XX/XXXX for {$1000.00} because I always pay off the balance before its due. XXXX was XXXX and its usually credited in a day. As of XX/XX/XXXX the payment is still pending and my card deactivated. It has caused my XXXX score to drop. Ive made payments through my bank account for over XXXX  years. I have made several hundreds of dollars in payments from the same bank account and its never taken this long.
Product: Student loan

I received a call at work regarding my student loan. It is due on the XX/XX/XXXX and I pay every month before it is XXXX days past due. I received a call on XX/XX/XXXX at XXXX from XXXX XXXX I called the next day and explained that my home number and email are the ways I prefer to be contacted and they have this information on file. I NEVER gave them my work number because that is not a good number to contact me on nor do I want those calls on that number. I contacted them on XX/XX/XXXX, letting them know not to contact me on that number again. My payment was also made that morning. The person I talked to told me that it would n't happen again and supposedly removed the number. She said that the information was obtained through skip tracing, in case I did not pay. I responded that I pay every month, what indication did you have that I would not pay? No response, other that its a process they do. To my dismay, I was called again on that number from XXXX at XXXX the SAME DAY!! I have a previous case that was submitted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my account that was made XX/XX/2024. I did not request this. I am currently in the process of buying a home so there is no reason for me to risk my credit score during this process. I reached out to JPMGB but got no answer in regards to this inquiry. there are no notes nor details on what the inquiry was for. They only advised me to contact the credit bureau for more information. After connecting with them, they also do not know the reason nor notes on the inquiry and advised me to contact the creditor, which I have made numerous attempts to figure out the reason and notes on the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I log into TransUnion site, go to freeze/unfreeze and get an error that says : XXXX The TransUnion Credit Freeze Service is temporarily unavailable. 

It's been this way for several months. I called as asked why and they didn't know and didn't help. 

I also can not retrieve a credit report from the site. Says there should be a free report once per day and it gave me an error when I tried to request it.
Product: Checking or savings account

I have been a long time customer of Citibank - 20+ years. I have a checking account and 2 savings account. Checking account was opened 20 years ago in FL and around 2 years ago, I opened a savings account. I also changed the address of my checking account and had the accounts linked on my online app with Citi. I had the requirements met to avoid paying any monthly fees. 

I don't get paper statement for my savings account and since I don't do any expenses, cut checks etc., I never had to worry about fradulent charge on my savings account - but, To my surprise, I found that a {$30.00} service fees has been charged on my savings account by Citibank from XX/XX/2019 till now - Over {$330.00} dollars plus. Citibank never had charges on savings account and I was never informed of the same. Citibank says that checking and savings account are not linked and I have to pay separate services charges for the same. 

Citibank declines to provide the details of the fees - as to why, when and how much they charged. Chat support provided the credit for 3 months and indicated me to call the support desk for the remainder. I called Citibank today and they are declining to provide further credits indicating that since bank accounts are from different states, different fees will apply. This information was never provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, Transunion and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have disputed the correction of my name and Equifax have not corrected my name. Please put my full name on my online ( internet ) credit report so it want get confused with a person with a simular name. Whe creditors pull my credit on the internet from Equifax they do not get my full birth name. I write my name as it is spelled on my birth certificate attached to this compliant. I have attached my online internet personal profile as it appears on my equifax dot com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed off the Debt of {$160.00} to XXXX since XXXX XXXX  told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on Equifax only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to Equifax to remove the inquiry. Please someone help me reach out Equifax for them to fix their broken system.
Product: Mortgage

Wells Fargo seems to be not learning from it's past mistakes. It's very old fashioned, inefficient, non customer friendly mortgage bank with buggy IT systems and very useless employees ( very low hiring standards as they try to hire via XXXX XXXX and have no transparency in terms of hiring local US Workers but just want to hire cheap XXXX XXXX workers ). 

Current issue : 1. I wanted to pay off $ XXXX towards my principal to do the recast. 
2. I changed the mind and switched the dated from XXXX to XXXX and then to XXXX XX/XX/2019. 
3. Later i finalized to make the payment on XXXX XX/XX/2019. 
4. Come to know that i can't as system doesn't allow, why? 
5. Called the customer service. I was told that the previous deleted transactions are not deleted and thus it won't allow me to pay on XXXX XX/XX/2019 so i can only pay on XXXX OR XXXX XX/XX/2019? What???? 
6. Who architected, designed and implemented this useless system. Why it impacts me-my recast money should be in my mortgage account before XXXX of the month otherwise my recast will be delayed by 1 full month. It's a big deal for me. She could do anything in this case. 
7. ask me to try again tomorrow ( Sat on XXXX XX/XX/2019 ). As if i have no other work and when they have limited customer service hours.
Product: Mortgage

green tree has had the loan on my mobil for years a few years back i offered to try to make a short sale on the property and it was call next week so id call and it was call next week then after bout a month of that they say call next month and then nothing.Now it takes me to today i am bout a month behind on my payment im getting phone calls that i seem to miss while im at work .and they want me to call them back yet there is no option to talk with a person the only option i have is make a payment.I again have sent via fax to them a fair offer to settle my account and yet again i feel like they have no will to even look at it .so i look at green tree online and finding they are being fined by the ftc for the very thing im going thru im at a loss here and very XXXX out i cant even talk to a live person is there anything i can do???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all 3 should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. XXXX did not respond at all. Transunion sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of XXXX, XXXX, and Transunion.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accounts XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX Closed has violated my rights. 

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.