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

I have disputed several inaccurate false accounts on my consumer report with Transunion all to no avail. They have failed to conduct any account investigations in an accurate and equitable in accordance with the FCRA. They have continued to ignore my request to have these false accounts deleted from my report. This information does not belong to me and they have failed to legally validate these false accounts they are furnishing on my reports. 

XXXX XXXX XXXX. 
Amount : {$14000.00}. 
Date Opened : XX/XX/XXXX. 

XXXX XXXX XXXX. 
Amount : {$400.00}. 
Date opened : XX/XX/XXXX.
Product: Mortgage

I am trying to find a contact to obtain a copy of the Assignment of mortgage from the original lender to you or a satisfaction of mortgage for the lien that is in 1st position instead of the current lien. I am in the process of selling my home and the title search shows that my refinance with XXXX in XXXX of XXXX is in second lien position to the original mortgage obtained in XXXX. The company I originally financed with in XXXX was XXXX XXXX  and they are no longer in business. My loan was then sold to XXXX XXXX, then it sold to XXXX XXXX XXXX. The loan is currently being serviced by Carrington Mortgage. 

I am in the process of selling my home and the title search has shown that this title problem as it is still showing that the original loan in XXXX is still on the county records and there is no assignment of mortgage or a Satisfaction of mortgage filed from XXXX XXXX to o XXXX. I have been working with the Servicer Carrington Mortgage to get this corrected however they are stating they have no records connecting XXXX XXXX to XXXX. However they were somehow able to obtain a satisfaction of mortgage on the 1st lien that was from the original loan in XXXX for a much smaller amount. I have been working on this issue for weeks with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit score adjusted to XXXX, And stayed that way until XX/XX/XXXX, and dropped XXXX points for no reason. There has been no negative activity for that week or even the last month. In addition the information that was reported that week was all positive. A collection had fallen off and balances went down on 2 of my accounts. There is no substantial evidence to support lowering my credit score. I have spoken to Equifax and they did not nor did they try to help me. 
Your system would not let inset the last 4 of my social security number It is XXXX.
Product: Mortgage

On XXXX Select Portfolio Servicing received a check from me for approximately {$95.00} to move my payment date from the XXXX of the month to the XXXX of the month. I get paid in the XXXX and the XXXX of every month. If the XXXX falls on a Saturday I do not get paid until the following Monday. I was told the transaction would take thirteen business days to complete. 
The next few months I would call in to make my payment on their automated service. If I made the payment on the second or third of the month the automated service would say the payment was past due. 
I called in to ask why the automated service was saying the payment was past due when the payment date was moved to the XXXX of the month. I was informed then the payment date was not moved to the XXXX. But the payment was not really past due until the XXXX. And that they would contact the appropriate department to get the payment date changed to the XXXX. 
Again I thought the problem was CORRECTED. FOR THE LAST THREE MONTHS when I call in to make my payment I have spent an hour on the telephone asking why the payment date was not moved. While making my XXXX payment I was told I would have to send in another interest payment to get the payment date moved. I BLEW UP AND REQUESTED HER SUPERVISOR! He assured me the problem would be cured! 
I just made the XXXX payment AND NOT TO MY SUPRISE THE PAYMENT DATE WAS STILL THE XXXX OF THE MONTH! 
I again spent an hour on the phone getting to another supervisor just to have him XXXX XXXX XXXX XXXX  XXXX telling me the same lies I had been told tge last 4 months! 
I told him we were 59 days from THE FIRST year anniversary of the day THEY RECEIVED MY CHECK TO TAKE 13 BUSINESS DAYS TO MOVE MY PAYMENT DATE! 
SPS has hurt MINE AND HOW MANY OTHERS credit rating BY THEIR FRAUDULENT ACTIONS! 
I want my payment date changed and I WANT SPS TO CONTACT ALL CREDIT RATING COMPANIES AND MAKE SURE I DO NOT SHOW A LATE PAYMENT TO SPS SINCE XXXX TO XXXX. 
I ALSO AM REQUESTING AND AND ALL LATE FEES BE REIMBURSED TO ME BY CHECK IN A TIMELY MANNER! 
I AM ALSO REQUESTING SPS BE AUDITED TO SEE HOW DEEP THIS SCAM THEY HAVE BEEN PULLING ON ME REALLY GOES! 
I WANT SPS TO RESPOND TO ME IN WRITING FROM TODAY FORWARD. BECAUSE THEIR TELEPHONE SERVICE AND EMPLOYEES LIE THRU THEIR TEETH! 
SPS DOES NOT DISPUTE THEY RECIEVED MY CHECK ON XXXX TO CHANGE THE DATE. THEY JUST WONT CHANGE IT!
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 section 602 states i have right to privacy 15 USC 1681 Section 602 its also states a consumer report agency can not furnish an account without my written instructions 15 USC 1681C [ a ] Section states no consumer reporting agency may make and consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than XXXX years. 15 USC 1681- [ A ] a person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows of reasonable cause to believe that the information is inaccurata.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letter to XXXX XXXX and called several time to XXXX XXXX to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.
Product: Checking or savings account

Account was locked early XXXX. Account was reviewed and unlocked after I opened a CFPB complaint against the company to get access to my account again. On friday, out of the blue and without any notification, Wise has closed my account and is holding all of my money in the account. I can not access my money, as I am required to by XXXX LAW. At this point access to my money and payment for damages caused to my business seems like a reasonable outcome, and will be the outcome in a small claims court case if it is not settled to here. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account with Grain before the pandemic, of course everything was upended then. However I paid off my account and its showing up as charged off on my credit report. I have called the company over ten times but only get an automated system that does not let you speak to a rep, I have also emailed the company numerous times. Its really frustrating because this dinged my report and is making it difficult for me to move on. How can a company gleefully take payment but refuse to assist with this issue.
Product: Credit reporting or other personal consumer reports

I would like to express my gratitude once more for your continued efforts in addressing the removal of certain fraudulent entries from my file, stemming from an alleged identity theft incident. Nevertheless, there are still outstanding items that require your attention for removal. As a victim of identity theft, I am reiterating my request to eliminate inaccurate information and inquiries from my credit file, as mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ). The stipulated timeframe for removal, not exceeding 4 business days after XX/XX/XXXX, must be adhered to. This matter has been previously communicated in my earlier correspondence, and I am reiterating it here, accompanied by my new FTC report # XXXX. Additionally, I have reservations about the accuracy of the information you have furnished in my credit report, especially considering that similar items have already been removed by other bureaus. Kindly proceed to remove the following items resulting from the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to address the listed items promptly will result in legal action, as I am prepared to file a lawsuit. My legal representative is fully aware of my intentions, and they are prepared to pursue accountability in the event of willful noncompliance. This communication serves as my final notice to you.
Product: Credit card

Please see the attached documents. I urge the bureau to commence an investigation into these accounts, as I am never late with payments, despite their current late reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are in violation of my rights I want this account deleted I have court documents proving this was dismissed in court of law it should have never been reported they did this without my consent witch is fraudulent on they behalf XXXX a violation it came off my other XXXX reports but some how comes back again thats not accurate information on my credit so I want it deleted
Product: Debt collection

I called Amsher Collection Services after I notice the collection on all three of the credit bureaus on XX/XX/XXXX. the person i talked to hung up on me, I called back and was referred to contact Attorney XXXX XXXX. I asked them what was the collection for? they told me it was to collect a debt. for XXXX XXXX I told them that I did not owe for the debt and I cancelled services on XX/XX/XXXX with a XXXX balance and that I was with XXXX for over twenty years when they merge with XXXX XXXX and my account was direct debt. from my bank account monthly and I always paid on time and I did not purchase a new phone while with XXXX XXXX and that XXXX XXXX was fraudulently charging me for {$750.00}. I asked representative for XXXX XXXX to please remove these fraudulent charges from my credit report. they hung up on me and when I called back on XX/XX/XXXX XXXX to ask what the charges was for they said they no longer have the case.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and discrepancies in my credit report regarding the account listed below. This marks my initial attempt to resolve these matters with your agency. I urge you to address these errors promptly and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Product: Credit card or prepaid card

Have been long-time Marriott card holder that earns points. Once it became XXXX Marriott, we have been unable to gain access to our points and Marriott has been unwilling to assist us in that effort. Each time we call they are rude and uncaring. We complete all of the necessary paperwork and fax in as requested but still no access. The supervisor ( XXXX, XXXX XXXX ) is the most unprofessional individual on the planet. Our rewards number is XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XXXX XXXX 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

My husband had a credit card with bank of America. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to bank of America about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I  guess the credit card is with his daughter in XXXX where she lives. I have talked to bank of America about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance Owed : {$190.00} ; XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts And reporting and inaccuracies on my credit report
Product: Student loan

As required by the stated guidelines for the Public Service Loan Forgiveness program since XXXX, I submit Employment Certification Forms annually to maintain eligibility for PSLF. At most, this process of certifying employment and eligibility has take 2 weeks to get a response from the student loan servicer MyFedLoans/PHEAA. 

I am now eligible for loan forgiveness through the Temporary Extended Public Service Loan Forgiveness program and have been for more than a year, after maintaining eligibility for 12 years of regular monthly payments, but the servicer is saying they need more time to certify my employment. I have recertified every year, the servicer already has records of employer eligibility, so there is no reason for a delay to a process that has taken 2-3 weeks in the past. A representative even called me with a question the week I submitted the revised ECF and TEPSLF application form XX/XX/XXXX to verify information so I know it was reviewed by a human. 

When I called MyFedLoan on XX/XX/XXXX to inquire the status of my application I spoke to four different representatives and PSLF specialists ( # XXXX, # XXXX, # XXXX, # XXXX ) and they all confirmed there is a backlog of applications and was told process for certifying employment was changed to the Department of Education. I called the Student Loan Support Center at the Dept of Ed to confirm the same day, to inquire what I needed to do to escalate my application, and was told this was incorrect, MyFedLoan is the Department of Education processor, and transferred back to MyFedLoan, and was told to use the online tool to submit the paperwork I have already submitted, including tracking down signatures from 12 years of employment which were already scanned uploaded and approved on the MyFedLoan website. 

There is absolutely no justifiable reason for the delay, the processor already has the records they need to certify employment, eligibility for loan forgiveness, and to pass the TEPSLF application back to the Department of Education for approval and loan forgiveness. The servicer knew there was going to be a backlog of eligible applicants as this program has been around for more than a decade and delaying forgiveness is a disservice to the public servants who have been working towards forgiveness for the duration of the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FFCRA these companies are in serious violations and should not be on my consumer reports. 

1 ) Charge Off = 1099 C ( I have never received one ) 2 ) XXXX XXXX in the State of Ohio = I dont see any 3 ) Account has been permanently deleted from XXXX 4 ) 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFP