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

In XXXX of 2020 I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Product: Money transfer, virtual currency, or money service

Zelle reported my transaction as fraud which got my account closed thats the explanation i got from XXXX when I zelle money i confirmed my code. Zelle cost me to lose my account and they blocked my number i reached out their team never assisted me. Despite using zelle many times the company failed to investigate properly
Product: Mortgage

I have been trying to work with Fifth Third Bank to try to resolve an issue regarding a mortgage agreement that was initially entered into with a co-borrower. The co-borrower has filed a XXXX XXXX Bankruptcy and was XXXX iXXXX XXXX and the bank is still informing me that the borrower is financially responsible for a loan that the borrower did not reaffirm within the XXXX XXXX  Bankruptcy. The co-borrower also Quit Claim his interest to the property and no longer is listed as an owner to the home that has the mortgage.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Mortgage

We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX XXXX for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 
XXXX XXXX DATE OF INQUIRY-XXXX  XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}
Product: Money transfer, virtual currency, or money service

I received {$9300.00} for my property damage from XXXX through direct deposit link. I accidentally typed in one wrong account number and the money was transferred to somebody elses account. I talk to my insurance company XXXX who told me to go to my bank, bank of America, which also banks with XXXX to retrieve my money. 

It has been more than three months. Ive ran up and down talking to XXXX and Bank of America, to retrieve my money from the wrong account. XXXX wont help me because theyre stating is the banks issue. The bank wont help me stating its XXXX issue. Nobody is retrieving my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax and my credit report is behind like 4 months. Other two XXXX and XXXX have been updating correct info. I have called Equifax and I was told I needed to contact everyone on my credit report. I have called and I was told they have been reporting to all three bureaus. My car loan has not been updated and my two new credit cards have not been updated ( open in XX/XX/XXXX and XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two problems.

First, one is with my XXXX XXXX credit card. They recently increased my available credit line by {$200.00} and reported I owed them {$0.00}. At that point, both TransUnion and XXXX decreased by credit score by 69 points and 59 points respectively based on that report. XXXX XXXX has agreed to investigate for me if I send them a letter stating the problem but said they are unable to request a change by the credit reporting agencies. 

Secondly, before that, I disputed an account by creditor XXXX XXXX requesting proof that I owed the {$230.00} they had turned in on my credit record about five years ago. I received a letter from them dated XX/XX/2018 saying that they placed my account on hold status and that collection efforts were ceased. However, it is showing up as an open collection on my account with a {$0.00} balance. 

And now they are saying a new address has been added for me when I have not moved. I checked XXXX XXXX and no new address has been added. 

I have reported both these to Transunion and XXXX but it has only made my credit record lower.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


XXXX XXXX
Product: Credit card

Ensuring payments are consistently made on time on this account has been a priority, preventing any occurrences of overdue status. I find myself uncertain regarding the rationale behind the appearance of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrective measures are warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. I requested method of verification and copies of full and signed contracts and they did not produce either items.
Product: Student loan

I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?
Product: Mortgage

I have mortgage through Mr : Cooper since XXXX on my primary residence property XXXX hermosa way, XXXX fl XXXX. 
I have been making my payments on time since I bought the home. On XXXX due to Covid I lost my job for few a months, therefore I was placed under Covid forbearance program which I was accepted for more then 6 months. I went back to work, and was ready to start re paying my mortgage. I was told to apply for loan modification program which I did in beginning XXXX. However it took them a few months to send me proper paper work. I received the paper work via email and went to local FedEx to notorized the paper work as well as send them via certified mail. I waited from XX/XX/XXXX till XX/XX/XXXX thinking they will get back to me with an answers which I never received. 
I wad told they never received my paper work and my loan modification fail through due to not receiving paper work on time. I don't understand how come they never received my " certified paper work ''. And that I have to re apply again. I re applied again for loan modification in XXXX XXXX, hoping it will get resolved so I can pay my mortgage. I submitted all necessary paper work, was told everything will be completed soon by end of XX/XX/XXXX. 
All of sudden my application again disappears, and I do not see anything online for status update. I spoke with the agent and told me that my application was switched to " easier program '' through FHA loan that is why I can't see anything online. Since it was switched to different program under modification they have to redo whole thing again per conversation. 
Finally on XX/XX/XXXX, they accepted my application and was told it will get done within 60 days. It's pass 60 days and still have no answers. 
Due to delay on this program, my mortgage been stacking every month and unable to pay partial or even something because they demand I pay past balance due of XXXX or esle they will be foreclose my home. I received letter from foreclose from Mr copper for not making monthly payments which I couldn't pay because my loan was under modification status for so long and they keep messing up. 
Foreclosure is on hold they said because my application is still under modification underwriting. I get phone call from them telling me if I don't pay my balance it will be foreclosed. Then some other people tells me forecloser on hold. I'm very confused with what they are doing with this process. 

My loan modification underwriting been taking all these time and I'm left unanswered. I live with my 3 children, I'm a single mother and I'm a nurse. I'm fully capable of paying my monthly mortgage payments.

I need Mr Copper to give me honest and full disclosure and stop running me around and I do not want to loose my home. 

Please help with this process and why they are taking this long to simple modification of my FHA loan. 

I appreciate your help Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a car lease through APG Financial. I went online to make my payment on XX/XX/2024 to make my payment. The eautopayment portal stated my account was closed. I called XXXX and pressed 2 to make a payment again it said my account was closed and I was being transferred to an agent. I never got to an agent. It went through the same automated system over and over. I called everyday for the rest of the week and same thing. Just went through the automated system over and over. On Tuesday, XX/XX/2024, I went to the location I purchased the car from to talk to a representative in person. The front desk person said the only representative went to XXXX for the day. He said he would text them to give me a call, and I should receive a call by next day. Never did. A manager from the the XXXX XXXX location called me, and tried to transfer me over to APG Financial. They refused my call. I was supposed to be on hold, but the line was picked up by accident, and I could hear the manager talking with them. Again, she said they said they will reach out by next day. Never did. The only call I ever received from APG was on XX/XX/2024. They called my at XXXXXXXX XXXX and told me to call back by close at XXXX XXXX. I couldn't. I was driving. Next day, my car was repossessed. We were unable to come up with a resolution to get the car back. APG is so frustrating to work with. I only have call longs to show how much I tried to call. I do not need the car back. I have two others. It's a derogatory mark on my credit report and I can't do anything about it. It's their word against mine. I would like them to work on their customer service and better serve those they give these car leases to.
Product: Mortgage

My complaint is that my home mortgage with PHH Mortgage Services is being transferred to a company that the Better Business Bureau revoked their accreditation and gave a F ( ailing ) rating ( specifically XXXX XXXX XXXX ). I believe that consumers should have a right to prevent transfers to mortgage companies who have violated law enforcement orders regarding their data practices. PHH notified me of the transfer on XX/XX/XXXX24 and stated that the transfer would occur XX/XX/XXXX24 or later. 

XXXX site shows : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX : Government Action : XXXX  reports on known government actions involving business marketplace conduct : Consumer Financial Protection Bureau, vs XXXX XXXX  XXXX XXXX XXXX As of XXXX XXXX, 2023 BBB also shows that : Freedom violated a XXXX  law enforcement order : Freedom was ordered in XXXX to clean up its deficient data practices, but failed to do so. Instead, it continued to provide federal regulators with error-ridden data. 

I phoned PHH Mortgage Services yesterday ( XX/XX/XXXX24 ) morning to try and avoid this transfer ( I do not object to them transferring my mortgage to another mortgager that have decent business practices ). The Customer Service Representative ( XXXX XXXX XXXX informed me that it was the investor that I should make a complaint to and transferred to her supervisor ( XXXX XXXX XXXX ). XXXX promised to email me the investors information to file a complaint with, but I have yet to receive the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was never authorized by me. Delete immediately
Product: Student loan

I have been enrolled in PSLF since I have been working for the state and federal government since I've graduated from my XXXX XXXX degree ( FYI, I received by degree in the XXXX XXXX from XXXX University so I couldn't select it in the form ). When I started with the state government in XXXX, my loan repayment program was income driven until I moved to the federal government in XXXX. When I moved to the federal government in XXXX I moved to a ten year repayment plan schedule which moved my monthly payment to approximately {$450.00}. Starting in XXXX my current employer offered to pay part of my loan down at the amount of $ XXXX. They've paid this amount for XXXX and XXXX, however, my monthly payment did not go down. I've requested Pennsylvania Higher Education Assistance Agency ( PHEAA )  as to why my monthly payment would not be reduced as my loan amount has reduced by 50 %. I've called them and emailed them several times over the past month and they refuse to recalculate my monthly payment and have stopped responding to me. I am quite confused as to why my monthly payment would not be reduced when I'm trying to pay off my loan prior to the PSLF end date in XXXX. I have conversations documented via email.
Product: Mortgage

good morning 3 years I got control of my house through the court. my ex husband has no say so on I what can do. I was trying my best in responding with owcen I had mailed and fax, scan with all the paperwork I was required for loan modification. all I want is to pay on the house in three years I maintain the house inside and out still no word. I mention to them if anything is mailed with XXXX XXXX XXXX on it I will not see it. he filed for bankrupt which I did not know. Saturday this lady drop by house telling me the is on forecloser and they suing me, my ex-husband and hud, I had wrote to Hud and they told me to contact your service. let me know if I need to get a lawyer, I want to stay at my home. I feel this is injustice when all I want to pay. this is my ocwen acct # XXXX. thank you
Product: Debt collection

I was checking my credit report and i had a collections on there from RGS finacial. i filed a dispute but received no answer.
Product: Credit reporting or other personal consumer reports

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report.