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

XXXX aka cbna reported that a closed account which Im paying off was 90 days late. Because of this inaccurate information i was declined credit for a mortgage. I was able to find checks cashed by cbna that went back to XXXX. They have been reporting late which is incorrect and have caused my credit score to remain/ be low. I did dispute this with the XXXX and XXXX. But if its changed will my score go up like it went down? XXXX is also looking into this issue.
Product: Debt collection

XXXX XXXX XXXX XXXX, I was contacted by IQdata collector and was threatened and given false statements to retrieve a collection. I was spoken to rudely and threatened with legal action and that my credit will be ruined and I wont be able to rent anywhere. I was called a liar and I asked to talk to a manager of some kind and was told I would deal with something way worse if I do. They got upset and said they will mark I refused to pay my debt and hung up. Never stated that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$850.00} Closed XXXX/XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX CARD SERVICES Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ),  both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

my cashapp has been hacked a few times plus some with XXXX  being taken or transferred.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I had my loans switched over from Fedloan to Mohela since the payments were reinstated I signed up right away for autopay. The autopay says it was confirmed on their site however the payment for XXXX said it was processed then a week later got an email that it failed. So I tried to manually pay it and it said it was processing then again a week later I get another email the payment failed. Completely ridiculous now I have to waste my time on hold for hours to fix something that is clearly their issue because I have seen multiple people complaining of the same issue. Never had one problem with Fedloan when they had my loan why would they switch it to a company that can not handle this volume of people and process simple payments. Then they think they are going to charge fees and interest on top of it.
Product: Credit reporting or other personal consumer reports

I open a HELOC acct # XXXX with XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2017 and they have it reporting wrong on my Transunion Credit Report under revolving taking away from my ultilization Per law the HELOC is secured by your home and XXXX is designed to exclude the HELOC from credit Ultilization and it needs to report under Real Estate Please Fix. I SPOKE WITH XXXX XXXX XXXX XXXX AND THEY SAID Transunion IS REPORTING IT WRONG INCLUDING IT IN MY ULTILIZATION PLEASE FIX.
Product: Credit reporting

I have notice per credit report that XXXX XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, XXXX and equifax ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported a payment 30 days late. After discussing the issue with XXXX XXXX I was assured the issue was fixed. XXXX XXXX immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called XXXX XXXX and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but XXXX XXXX never properly moved forward to do this. I was explained to twice by XXXX XXXX this would be fixed and I am running out of options to fix the situation.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a car for my son at XXXX XXXX. He is stationed in XXXX XXXX NC and flew into XXXX PA to pick up the car and drive back for his personal use in North Carolina, he was here a day. GAP insurance was purchased at the time of sale through Toyota Financial. 
My son was in an accident XX/XX/XXXX and the car was deemed a total loss. The insurance company paid a total of XXXX, he had a XXXX deductible, there was a warranty refund of XXXX. The base vehicle value per the insurance company is XXXX after comparing it to comparables the car was devalued by XXXX. The car was a XXXX XXXX XXXX and the adjustments are wear and tear. After the adjustment, the cash value was XXXX. 

Toyota 's GAP department is attempting to say I am responsible for the XXXX. I have reached out to my insurance company and they have confirmed this is not a charge taht should be passed on to me. I have reached out to Toyota 's Gap dept XX/XX/XXXX and was told they revised their brochure XX/XX/XXXX and no where in the brochure did it state the GAP will not cover vehicle depreciation. Every one knows as soon as you drive off the lot the car value lessens. There was no negative equity from another vehicle tagged on to the balance of this loan. Toyota is refusing to honor the terms of the GAP agreement and I need assistance with resolving.
Product: Mortgage

My sister passed away XXXX, XXXX. I'm her sibling and a court-ordered personal representative of her estate. PennyMac was advised of these facts in early XXXX. The law firm handling the estate faxed documents requested by PennyMac ( according to their instructions ), but they still refuse to provide me with loan details, mortgage amount due each month, and account access. Calling them does no good ; you just hit phone trees or get stuck on hold for a long time and then disconnected. PennyMac is now sending delinquency notice letters addressed to my deceased sister even though they've known for almost over two months that she has passed away and that the account is supposed to be taken over by her legal personal representative ( me. ) In these letters, they threaten to place the mortgage into default. 

I'm unable to bring the mortgage payments current because PennyMac refuses to finish processing my request, and it is becoming apparent that they are attempting to cause the loan to go into default through their delays. I'm arranging a consultation with the law firm handling the estate to discuss legal options and remedies in the event the loan does go into default and we lose the property. All the delays in this situation are created and perpetuated by PennyMac. Their customer service reps have exhibited unprofessional conduct, and a few have lied to me on the phone about a number of things, most recently about not receiving documents even though the lawyer has a fax transmittal sheet showing those documents were sent as per the instructions in the letter from PennyMac. I believe PennyMac and its staff to be acting in a disingenuous and unethical manner in an attempt to fraudulently push the loan into default.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid XXXX XXXX off some time ago and people keep contacting me to pay it again this time it is a new debt collection agency.
Product: Mortgage

My home mortgage is owned by Mr. Cooper Company. I began reaching out to them on XX/XX/year> regarding an error in my property taxes. Mr. Cooper stated that my property taxes were paid by XXXX to the XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> in the amount of {$5300.00} via a wire transfer. To date, and in speaking with the XXXX XXXX, Alabama Chief Deputy Tax Collector, XXXX XXXX, these funds have never been received by her office. XXXX XXXX has been most diligent in verifying the funds were never received. In addition, another error made by XXXX XXXX was the amount of the payment, it was a gross overpayment due to them calculating my property taxes at a non-homestead rate. I am a homeowner and do have homestead exemption. The correct amount for my property taxes should have been {$2600.00}. 

I have lost track of the number of times I have reached out to the Mr. Cooper escrow customer service agents. To date, no agent of Mr. CooperXXXX can provide me with the entity who is in possession of the {$5300.00} of my money. I am attaching the information sent to me regarding the wire transfer of these funds that never reached the XXXX XXXX, Alabama Tax Collector Office.

This is a clear case of fiduciary misconduct and neglect on Mr. Cooper and XXXX. As the consumer, I entrusted these companies to manage my escrow account and pay my property taxes accurately. They have failed in their fiduciary duties to me as their client. 

Mr. Cooper as of today, XXXX, has promised to mail a check in the amount of {$2600.00} to the XXXX XXXX, Alabama tax collector. However, in doing so and not processing the refund correctly, this causes me to have an approximate negative {$3000.00} in my escrow account. 

I am most hopeful the CFPB can assist me with this issue in the misconduct and neglect of fiduciary duties of Mr. Cooper and XXXX.
Product: Credit reporting or other personal consumer reports

To : { XXXX, Equifax, XXXX, XXXX to include any other reporting agency! } Subject : Request for Removal of XXXX Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been DISCHARGED by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my XXXX loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of XXXX XXXX records. As my XXXX loan debt information may fall under the purview of XXXX, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a XXXX borrower. 
2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from XXXX before disclosing their education records. If my XXXX loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly. 
XXXX. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of XXXX records, I kindly request that you investigate the reporting of my XXXX loan debt and take necessary actions to ensure that my rights under XXXX are upheld. 

I request that the Consumer Financial Protection Bureau review the reporting of my XXXX loan debt in light of FERPA and take appropriate measures to address any potential violations of the law. 

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required. 

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have messaged and called Chase numerous times, filed formed FTC complaints. They lied to you. I have attached a copy of the XXXX report showing that in fact they did change my address with my credit bureaus. They are refusing to report back to the credit bureaus that my address was reported in correctly. The credit bureaus are refusing to change it. I have been dealing with this issue for 5 month. They have been denying they did this. 

I spoke with XXXX, XXXX, XXXX XXXX, XXXX ( manager and XXXX. All of whom told me they can do nothing to correct the issue. All of whom also denied that Chase changed my credit report. I have attached proof that the credit bureau was changed by Chase. 

I have also filed a XXXX discrimination complaint as they were not able to meet my needs of my XXXX when calling in for assistance with my Attorney General and my XXXX Representative. I am on XXXX and they were not accessible to my needs over the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a matter regarding inaccurate and unverifiable information on my credit report that TransUnion has failed to correct or delete, in direct violation of the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, TransUnion has a legal obligation under the FCRA to ensure the accuracy and integrity of the information it furnishes and to delete information that can not be verified. 
Despite my previous attempts to dispute this inaccurate information, TransUnion has continued to report items that are detrimental to my credit standing. This failure to maintain accurate information has adversely affected my creditworthiness, resulting in both financial and reputational harm. 
Under Section 611 of the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information, including verifying the accuracy and validity of disputed items. If TransUnion can not verify the accuracy of this information, it must be removed. Yet, my file continues to reflect information that remains unverified and inaccurate. 
To remedy this situation, I am requesting that TransUnion : Verify The XXXX XXXX listed on my credit file. ( EX.1 ) Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
Provide written confirmation that these items have been removed or corrected and if verified from where, along with an updated copy of my credit report ; Please treat this as a formal complaint, and consider it my final attempt to resolve this matter through administrative channels. Should this issue remain unresolved, I am prepared to pursue legal action to seek damages for TransUnions failure to comply with the FCRA. 
I expect a prompt response outlining the actions TransUnion will take to correct or delete the unverifiable information, along with assurances that such issues will not recur.
Product: Bank account or service

I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX.
Product: Student loan

Since the student loan payment suspension has been in effect I have continued to make on-time monthly auto payments to NAVIENT. 
During this period NAVIENT has continued to charge my account interest on the balance. I have been under the impression that ALL interest was suspended during this period. 
Email and phone calls have produced nothing if any value to me because I am not interested in consolidation or refinancing at this time. 
Can this office help resolve this question?
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I attempted to login to the credit reporting agencies in order to increase a credit card limit. My spouse and I were making plans to relocate to another part of the state for health reasons and were in negotiations to purchase a home and needed to increase the limit to cover the cost of the moving company as well as temporary housing and storage. My request to increase my limit was denied because of a credit freeze that was provided me as a result of some info breaches. 

The email ID used to login was one that I had established long ago with our internet provider at that time. From that point on the ID was under the total control of the credit agency. It could not be changed by me. I had been notified by the internet provider that the email would eventually be deactivated if I discontiued service with them. When I moved outside their service area in XXXX to this state I could no longer make use of their service because of a lack of coverage. The email ID was deactivated sometime between XX/XX/XXXX and XX/XX/XXXX. As I said... the email ID used as a login to the credit agency was under the total control of that agency. I had no means to correct it. In fact, the only check made by the agency is whether the email ID is valid or not. No due diligence to verify why an ID that was valid a few months ago was no longer valid. Whether that failure in oversight was a result of incompetence or malice is irrelevant. The effect on me was the same. In fact, after 3 tries to login a fraud lock was added to my credit freeze. 

As a secondary login requirement the credit agencies require a phone code response. Just like the email ID the phone number is totally under the control of the agency and can not be modified by me. That number was one that I had for a long time but the cell provider did not release my cell phone number as they are required but there is no penalty if they do not do so. At this time it has been reissued to a different party and I am using a new number from a different carrier. 

As a result of these actions or inactions by the credit agencies I can not obtain a lease on an apartment or a storage facility. I can not incur a mortgage loan even one as simple as a swing loan. I can not make use of the government login system which means I can not access my XXXX XXXX, my SS, XXXX XXXX, my IRS accounts, etc. My current gov login has been deactivated pending a reestablishment of my identity. In effect the credit agencies have stolen my identity. 

I had already made plans to establish health coverage in my new area and in fact were scheduled to have my initial contact with him during XXXX. I have been forced to cancel that appt. 

The lease on my current apartment expires in XXXX and I can not renew it. The apt mgmt will allow me to do a month by month renewal for a limited time but it will involve an additional rent. 

We have not yet decided whether to file a fraud complaint with the FTC. It is likely.