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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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: Debt collection

Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled.
Product: Mortgage

I encountered challenges in determining the most suitable approach to address my concern. Consequently, I initiated contact with Loancare LLC through both telephone and email channels in an effort to resolve this matter. In the month of XXXX this year, my mortgage and escrow account were transferred from XXXX XXXX to Loancare LLC, during which time no issues with my escrow account were apparent. 

However, in XXXX of the same year, I was informed by Loancare LLC that they had acquired home and hazard insurance, alleging that I did not possess insurance coverage and that the previous policy from another company had expired in XX/XX/XXXX. 

To clarify my insurance status, I am insured by XXXX XXXX XXXX under policy number XXXX, which is effective from XXXX to XXXX annually. I verified with XXXX XXXX XXXX that my account was current and active. XXXX XXXX had made the payment for this insurance through my escrow account in XX/XX/XXXX, and no further payments were due until XX/XX/XXXX. 

In an attempt to communicate this information to Loancare LLC, I was redirected to a separate entity, " My coverage info, '' and provided an email address, XXXX. Regrettably, upon sending an email to this address, I received an " undelivered '' notification from XXXX. 

As it stands, I have exhausted all available means to rectify this issue, and Loancare LLC has erroneously charged me approximately {$2400.00} for insurance coverage that I had already purchased. Consequently, this unwarranted purchase has increased my monthly payments by {$200.00}. 

I am now seeking a comprehensive resolution to this matter and would appreciate any assistance in rectifying the situation promptly.
Product: Debt collection

Ive been XXXX since XXXX I was released XXXX of XXXX and noticed when I went and tried to purchase a phone from XXXX XXXX XXXX XXXX that I dont know anything about
Product: Student loan

I sent the following message to Nelnet on XX/XX/XXXX : Dear Nelnet Customer Service, I am writing to address a concerning issue regarding the allocation of my monthly payments towards my loans. Since my loans were transferred to Nelnet, I have noticed a significant disparity in the distribution of payments, particularly towards the highest interest loan. 

It has come to my attention that only 20 % of my monthly payment is being allocated to the loan with the highest interest rate. This allocation strategy deviates from the payment structure I had previously agreed upon and practiced before the transition to Nelnet. Such a distribution not only defies economic logic but also puts me at a disadvantage. 

I am deeply troubled by this discrepancy and feel as though I am being taken advantage of. As a responsible borrower, I expect fair and transparent treatment in the management of my loans. Therefore, I am reaching out to you to seek immediate resolution to this matter, encompassing both past discrepancies dating back to XX/XX/XXXX and adjustments to future payments. 

I trust that Nelnet is committed to upholding ethical standards and providing satisfactory service to its customers. I kindly request prompt action to rectify this issue and ensure that my payments are allocated in a manner that aligns with my financial objectives. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your cooperation in resolving this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo wrongfully repossessed my car approx XX/XX/2014 I received settlement check for {$5.00} Minimum settlement for wrongful repossession was supposed to be {$4000.00}
Product: Credit reporting or other personal consumer reports

I contacted XXXX to negotiate a settlement, they did not reply. 

My credit report says it is a charge off. I contacted XXXX again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply. 

If XXXX sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make improvements.
Product: Credit card or prepaid card

All the money was taken from my middle class tax refund card before I even gotten it and the company says it will take XXXX days to investigate if I will get my money back.
Product: Credit card or prepaid card

On XX/XX/2022 I requested a limit increase on my visa signature cashrewards account. I was notified by mail that I was denied due to " reaching Navy Federal 's maximum unsecured credit card limit. My limit is currently {$15000.00} and I know for a fact that Navy Federal has accounts that exceed that amount. This information was false and misleading. They also pulled a consumer report from XXXX who reported negatively on my behalf without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by XXXX that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit.The accounts in question are as follows : 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 Balance : {$22000.00} Additionally, I would like to address the inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$23000.00}
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against the credit reporting agency Experian, which has failed to correct inaccurate information on my credit report following two formal dispute attempts. On both occasions, I provided the necessary documentation to demonstrate that the reported late payments on the account in question were inaccurate. However, the information continues to appear on my credit report without the requested corrections, negatively impacting my credit profile and my ability to access credit on fair terms. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XXXX 2023, XX/XX/year>2023 It is important to note that this account is only being reported by Experian and does not appear on the reports of other credit bureaus, suggesting a lack of consistency in the reported information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 5 ), it is mandated that if the reinvestigation of a dispute does not resolve the consumers complaint, the credit reporting agency must delete the disputed information within five business days following the conclusion of the reinvestigation. Experian has failed to comply with this regulation by retaining the inaccurate information, constituting a direct violation of the FCRA. 
This negligence not only disregards Experians legal obligations but has also caused significant financial harm and emotional distress by impairing my ability to access credit under reasonable conditions. 
I request that the CFPB investigate this matter and intervene to ensure that Experian fulfills its responsibilities under the FCRA. I am requesting the immediate removal of the disputed account from my credit report and the implementation of necessary measures to prevent this situation from recurring. Additionally, I expect to receive confirmation of the actions taken by the CFPB in response to this complaint. 
Enclosed are supporting documents, including copies of the dispute letters sent to Experian, my credit report, and evidence of the inaccuracies in the reported information. 
Thank you for your attention to this matter, and I trust that a prompt resolution will ensure the accuracy and fairness in the handling of my credit report.
Product: Money transfer, virtual currency, or money service

I utilized QuadPay to pay for a credit repair service. The credit repair service never returned phone calls and emails. I emailed QuadPay and they agreed to refund my money with 13 days. I am still waiting.
Product: Mortgage

My written complaint : Select Portfolio Serving ( SPS ), a home loan servicer, was responsible for paying my XXXX taxes out of my escrow account. The money in the escrow account was more than enough to cover the taxes. They did not pay the taxes, and I had to pay a delinquency fee on my XXXX taxes. I am owed {$260.00} due to SPSs lax business practices and faulty error-checking. 

In XX/XX/XXXX I bought a condominium using a conventional home loan, with a standard escrow account, initially serviced by XXXX XXXX XXXX. In XXXX XXXX the loan servicer changed to XXXX XXXX XXXX and the escrow account followed. 

Starting around late XX/XX/XXXX, I received notice that my XXXX property taxes had not been paid. I had always had an escrow account with sufficient funds from which the property taxes and homeowners insurance should have been paid. I called the tax body and they told me to contact my loan servicer. I called Select Portfolio Servicing ( around XX/XX/XXXX XXXX and they asked that I fax them the delinquent tax notice, which I did. I did not receive a response for several weeks, so I called again ( around XX/XX/XXXX ) and was told that the forms had not been attached to my profile and to wait another week. I did not get a response. 

In XXXX I had started looking into refinancing my property, but the process did not begin in XXXX until XXXX XXXX. 

Around XX/XX/XXXX I called Select Portfolio Servicing again and was told that taxes had been paid on the wrong address, though the person on the phone seemed new and was interpreting another employees notes. He asked me to call back in a couple weeks. 

In XX/XX/XXXX, my refinance process was coming to a close and I was ready to pay the fees involved. The fees included my delinquent XXXX taxes and my XXXX taxes. At close, my loan was transferred to XXXX XXXX XXXX XXXX. I received a check from XXXX XXXX XXXX with my entire escrow amount, from which clearly no taxes or insurance had been paid. 

On the note of insurance my insurance company had contacted me when the insurance had not been paid in XXXX, and I paid with my credit card. They said that they had tried to get in contact with Select Portfolio Servicing to no avail. I understand that since there were no delinquent fees on the insurance, the escrow return had covered the insurance amount, albeit several months late. The issue here is the property taxes.

After receiving the escrow return check from Select Portfolio Servicing, I called again. They told me that the previous servicer to them ( XXXX  XXXX  XXXX ) should have paid the taxes, since they had held the loan when taxes are normally paid. However, SPSs tax department is responsible for checking that taxes had been paid before transferring a loan. The XXXX taxes were never paid, all my calls and faxes have gone nowhere, and I am still owed the delinquent amount as of XX/XX/XXXX. 

Numbers : Original XXXX Taxes : {$2400.00}. Amount I paid when I closed on my refinance : {$2700.00}. Amount owed me by Select Portfolio Servicing : {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have been in dispute with Transunion XXXX and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXXl XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX secs XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

XXXX5 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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 or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX I XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

needed to link my account to XXXX for a withdraw to bit on coins. was denied by td bank.
Product: Mortgage

I applied for a loan modification but the loan servicer denial my request so I applied for a short sale and submitted a offer on XXXX/XXXX/XXXX and caliber would not accept the offer, so they order a BPO on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to determine the value and it was valued at {$330000.00}, so we submitted a offer cash of {$370000.00} which is much higher then its worth but now caliber is saying its too late to continue with the short sale and the sale is set for XXXX/XXXX/XXXX, this whole thing is crazy we give them a higher offer and this is the thanks that we get, caliber clearly wants to foreclose on my property and that is a fact, someone in your office needs to look into this matter, we have also filed a complaint with the attorney general office of CA .can someone please HELP!!!
Product: Debt collection

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. XXXX XXXX XXXX for XXXX and XXXX There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are XXXX XXXX XXXX for {$700.00} and {$5400.00} both for XX/XX/2018 XX/XX/2018
Product: Money transfer, virtual currency, or money service

I have had a PayPal account for around XXXX  years. My last known balance was approx {$300.00}. In the last XXXX  days I have discovered that I am unable to access my account. The site says it locked my account because I have had too many unsuccessful login attempts, but its been XXXX days. When I try to use the forgot password option it tells me sorry something went wrong on our end. It is not possible to contact PayPal customer service without logging into the account, which I am not able to do. I do not know what recourse, apart from filing this complaint, I can take to regain access to my funds.
Product: Student loan

I called Navient to set up a reduced payment plan. I agreed to the terms and everything was situated. My debit card was compromised so I notified Navient of the situation. The representative stated that i would need to cancel the previous set up and start up a new one with my new debit card information. Which was what was exactly what was done. I agrees to the new terms and everything. Navient has been automatically taking funds from my checking account since XXXX 2017 for the agreed upon reduced amount. However I received a notice via mail stating that my account was delinquent. I contacted Navient and spoke with a representative that went back into the notes and stated the last representative did not properly enroll me into the program and that she no longer worked for the company. She supposedly quit that day. I ask the representative why should I be responsible or penalised for someone elses mistake, but there was nothing they could do and I would be responsible for the balance. A balance that continuously effecting my credit.