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

I've contacted the credit bureaus XXXX Transunion XXXX XXXX ) as well as the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

XXXX XXXX XXXX services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month XXXX XXXX XXXX has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Product: Credit reporting or other personal consumer reports

This letter is to disputes few discrepancies Ive noticed on my credit report, including accounts and personal information which I believe is inaccurate. I am asking for your assistance in investigating and correcting this information. 

Below is the information listed on my credit report that needs to be reviewed and potentially removed from my credit report. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report.

Enclosed with this letter are copies of documents that verify my identification and my correct personal information, including a passport, my social security card, and other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late/Closed : XXXX XXXX {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX {$290.00}
Product: Mortgage

IN 2020 I had force placed insurance placed on my escrow account and it has snowballed and caused my payment to go up. 
I had insurance and my condo building had insurance. I would like to have this money refunded to me and I will provide these documents and I want my mortgage payment recalculated
Product: Mortgage

Dear Sir or Madam, My name is  XXXX   XXXX . My hardship began when my children 's father walked out on me.I was unemployed and my left with all the bills and with the sole provision of my  XXXX  children. I worked part time meanwhile I searched for a full time job with flexible hours. I did not waste any time with my mortgage company, I faxed over a home affordable packet to be reviewed for a modification. Long story short I was denied various times due to not enough income to the point where I rented out a room for extra income and still it was not enough for them.  XXXX  of  2017  I finally landed a full time, well paid job with flexible hours.I make {$2600.00} monthly now and I was confident I would qualify for a modification but yet again I was denied because my loan was sold to a new investor and I was mailed out a letter informing me of this. Attached is the letter. I was notified yesterday  XXXX / XXXX / 17 , by  XXXX   XXXX , accou nt manager from Fay Servicing, that I was  approved for a short sale and he said I had until  XXXX / XXXX /   17  to decide if I want to go through with a short sale or else I would be foreclosed on with a sale date within 30 days. I did not apply for a short sale, I want a loan modification. I asked about the new investor on my loan and he said t hat Fay Servicing bought my   loan back. If they bought my loan back, then why are they not reviewing me for a loan modification? My home is severely under water!   Attached is the letter  XXXX  sent about the short sale. All of this is very confusing and all they have said to me is very contradicting! I do not want to lose my home, it is all my children and I have. I struggled so much to keep my home and now that I am financially s table, Fay Servicing will not work with me. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The private XXXX loan on all three of my credit reports XXXX XXXX, two of them, were taken out as indicated in XXXX. I XXXX in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX  loan, it is a PRIVATE loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


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

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX   and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Student loan

Navient has hidden a student loan from XXXX till XXXX. 
I was sued in XXXX. I was sued in XXXX. I was sued in XXXX. I made arrangements in XXXX to pay all my student loans from Navient and I never missed a payment. I had 3 student loans. I provided all documentation. 
As paying off those loans is coming true Navient has thrown the surprise 'you have a 4th " student loan. My last complaint discussed how they hid from all law suits this last loan. Now 'it 's hey you owe us all the money plus interest ' when it was never once mentioned in any legal proceedings against me, all of which were dismissed because I paid all my bills on time. 
I just paid the same amount I always paid on a loan because I assumed this was one of the ones I'd been sued on. I don't understand how a 4th one is hidden and it's legal to say 'surprise you owe more. ' The response to my previous complaint XXXX was basically 'here is the promissory note ' that I have no memory of as it was signed apparently in XXXX. The response does not answer any of my complaints of hiding a student loan from all collections for over a decade.
Product: Credit card or prepaid card

I called the number that was in the letter, The telephone answering services has no options to speak to rep. There was no programmed option to cancel the card. However I spoke the option of cancelling and the card was closed. 

However this credit card was opened without my consent.
Product: Credit reporting or other personal consumer reports

The company has repeatedly violated my rights under the FCRA and will not respond to correspondence. 

According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.
Product: Mortgage

During the Covid-19 pandemic my mortgage was put on forbearance. Once the forbearance was about to end I contacted Guaranteed Rate, my mortgage company at the time, to find out what my options are because XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they informed me that I can talk to their Loss Mitigation department. They transferred me to them and the person had me fill out a Loss Mitigation for a Loan Modification. On XX/XX/XXXX I submitted the application with all the documents and a letter that they had asked for. They wanted me to send all my banking statement, XXXX XXXX XXXX XXXX my 401k statement, and I also included a VA Loss Mitigation application that I had filled out and submitted a year before on XX/XX/XXXX and never heard back from. On Monday XX/XX/XXXX I called the Loss Mitigation department to verify that Guaranteed Rate received my application and all the documents that they asked for and they said they did and they will get it processed. They informed me that it would it would take 2 to 4 weeks to process. I called back 3 weeks later and they informed me that it still had not been processed due to high volume of applications they said to check back in 2 weeks. I would check back every 2 to 3 weeks to see if it has been processed and they kept telling me it has not yet. I then asked if I could talk to a manager and the person told me that they will send a message to their manager and they will contact you and I never heard from their manager. My application was never processed and the amount of debt I owed kept building. It started out at around {$12000.00} and is now at {$79000.00} and Guaranteed Rate sold my mortgage loan to a new company name XXXX. I have now applied for a Loan Modification with XXXX so we shall see what happens. But, I'm not happy with Guaranteed Rate because I kept calling them to find out if my application was processed while they kept charging me late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and must be removed.
Product: Checking or savings account

Wellsfargo have charged me over {$300.00} in overdraft fees over the last few months and Im currently on short term XXXX and payment is only enough for basic necessities but Im short on basic necessities due to all these fees. I have told them not to pay anything submitted if funds are not available. I have reached out to them on several occasions requesting a reimbursement on these fees and they have declined due to company policies. I will close the account if we cant come to a resolution on this. I need every penny of my benefits and now being left to decide between food or paying my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company ( XXXX XXXX ) has tried to pull my Equifax report on two separate occasions, but is told that the report is suppressed. When I called Equifax, they claim it's not suppressed. The reports for XXXX and XXXX were provided ( through XXXX XXXX ) to the mortgage lender. I have also been able to access my Equifax report through credit monitoring. 

On XX/XX/2019 I faxed an affidavit to Equifax asking for removal of any suppression so that the lender can use the report, and on XX/XX/2019 I spoke with a gentleman named XXXX. He told me that there should not be any suppressed notation on the credit file, and to have the bank try again. 

This problem is interfering with the closing of my mortgage loan, and I need to know how to fix the problem as quickly as possible.
Product: Credit reporting

Equifax is showing late payment for my mortgage with XXXX. It 's been over 7 years and they are still basing my XXXX score and reporting it to creditors.
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to dispute inaccuracies on my credit report. I provided supporting documentation to verify my claims and requested that Equifax investigate and resolve these errors in compliance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts, Equifax has failed to provide adequate verification or properly address the disputes. I also received unclear communication that does not resolve the issues. As a result, incorrect information remains on my credit report, causing harm to my credit standing and financial well-being.
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 XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XX/XX/2022 Amount {$440.00}, 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 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 XXXXXXXX and list of Inquiries 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: Student loan

I just read an article in XXXX about Navient telling customers their only option is forbearance instead of an income based repayment plan. That is exactly what happened to me. For OVER three years, I was told there was only a forbearance option for my loans. That is over three years of interest that was needlessly incurred without any debt reduction. I am furious that I was not told about any other payment plans. I was told I could pay a high monthly amount or go into forbearance. I chose forbearance, because my XXXX XXXX husband and I could not afford the high monthly rate on his income. I was unable to work due to our continuous military moves, our baby, and his XXXX. I am now in XXXX school and when all is said and done, will owe over {$120000.00} in student loan debt. That means, I will have to use my ENTIRE salary to pay an astronomical payment just to pay off these loans that were supposed to help our family improve our quality of life. I will have to work for 5+ years just to pay back all of this debt, some of which was unnecessarily incurred due to Navient 's blatant lie about one high repayment option or forbearance.