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

MY EXPERIAN CREDIT REPORT CONTINUES TO REPORT THE XXXX XXXX XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM EXPERIAN AND XXXX CREDIT REPORTING BUREAU 'S . DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!
Product: Mortgage

I started a refinance/consolidation loan on XX/XX/2018, with Quicken Loans-Rocket Mortgage. The first loan representative, ( XXXX. ), told me I was approved from the very beginning of loan process. 
While completing the Title Search R.M. discovered a lien against my mortgage, which I was not aware of. From the advice of, ( XXXX. ), I followed up on this, received all the information and spoke with XXXX XXXX XXXX, Supervisor with XXXX XXXX, XXXX. I negotiated the amount of the pay off of this account from $ XXXX to {$13000.00}. Also, as requested a letter from XXXX XXXX, XXXX to Quicken Loans stating all the particulars of this agreement to remove the lien and agreed pay off amount was forwarded to Quicken Loans. 
***NOW I'M APPROVED! 
Several days later I received corresponded from another R.M. representative, XXXX, needing more documents from me, which I emailed right back in a timely manner. 
Several days later I received corresponded again from a third R.M. representative, XXXX, and she is stepping in for XXXX as she is our of the office. 
Several days later I received corresponded again from the 4th R.M. representative now taking over the loan process, who we'll name XXXX XXXX. 
I spent 3 weeks working with XXXX & XXXX ... complying with each and every request in a timely manner. 
My Point ... .I was Approved and then NOT APPROVED BACK AND FORTH 6 times. I even took cash I have set aside to pay 2 credit card balances down to {$10.00}, ( TO RAISE MY CREDIT SCORE UP ABOVE XXXX TO GET APPROVED AGAIN DURING RHIS WHOLE MISERABLE EXPERIENCE!!!

I WOULD NOT WISH THIS ON MY WORST ENEMY. PLEASE INVESTIGATE INTO THEIR PRACTICES ... ..
Product: Credit reporting or other personal consumer reports

XXXX is reporting information on my credit reports also has another company the operated with sister company to report information thats not accurate I keep getting denied because XXXX is reporting accounts thats is do from identity theft I sent police reports and ftc report copy of my id gas bills to show proof of my identity but for some reason XXXX remove the debt than added it back on saying the companies sent them a police reports to add it back on I ask to get a copy of what ever they had to prove the debt was validated I was than told to contact the actual company which I did and get no where they refuse to speak with me and also I think they running crime organization by selling debt and keeping it on a some type of payment but each time they denied me I was denied credit and could be losing my home do to the poor action they refused to investigate the matter. please help me XXXX keep saying the accounts was remove but they are not I showed on my cfpb accounts they removed the accounts but on my credit report they did not I also will showed that the agents is operating my personal information telling me I cant dispute because I need a new reason to do so.denied me a complete accurate credit report. my point went from XXXX to XXXX there something wrong they also reporting on different account which is not accurate on XXXX and XXXX XXXX  is diffrent and on scoresenses is not reporting the same diffrent date inquiry and my addresses I dont give XXXX permission to sell or give my information to any one I also know they reporting transaction date in giving personal information my credit report without my permission I dont think its fair for any comapines to give out personal information putting me in danger to be hack hurt or stalk I wish to get help with this matter. accounts is XXXX XXXX XXXX XXXX XXXX XXXX XXXX dpt educations XXXX XXXX I also gave police reports and ftc reports so they can remove the accounts.
Product: Debt collection

The Law Firm of XXXX XXXX XXXX first sent a letter in XX/XX/2020 which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/2020 and received on XXXX. They are even deceptive in their mailings.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 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: Debt collection

I have sent letter to the organization as well as the credit bureaus without validation of debt. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
Equifax failed to respond in 30 days and they updated my bal to XXXX for the XXXX XXXX account with was cleared in XX/XX/XXXX vs deleting the account. 
I have not been successful at getting XXXX XXXX to respond to any of the letters I have sent since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I have received over the last 12-16 months a company named XXXX XXXX trying to collect a debt. The debt recovery company is Ad astra debt recovery services. I did not realize that several hundreds of dollars was coming out of my bank account and this was a while back. I am trying to locate the information with the account number and other information important to this case. I have been a victim in two ways. 

First, I had a debt collector trying to tell me I need to pay a loan which was not mine. 

Second, is that I am a victim of financial fraud because some one used my identity as XXXX XXXX and stole money from my credit union account in XXXX County California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is XXXX XXXX XXXX XXXX. This my second time contacting your company regarding the correction of my Personal Information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissapointed to see the Credit Buraeus take no action in order to correct my Credit file and and delete the fraudulent information in my Credit report. I have been send ing dispute letters as well as submitted countless complaints through the CFPB in order to notify the Credit Bureaus regarding my intention to correct my Credit File. The last letter I sent to te Credit bureaus was XX/XX/XXXX, in hopes that the Credit Bureuas would finally take a look on my Complaints. By ignoring my Dispute letters and failing to respond, the Credit Bureaus have failed to comply with the FCRA regulation especially with the FCRA section 605b which requires the Credit Bureaus to remove any account and information that resulted due to Identity theft. I am tempted to pursue legal action against the Credit Bureaus and I have informed my legal counsel about my plans and they are more than willing to help me. If it is not too much trouble, I need the following items deleted as soon as possible. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX  XXXX  Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. If the Credit Bureaus insist that these items belong to me, I need them to provide me with documentation that contain my siganture to support the Bureaus ' claims that the items were mine. If unable to do so, Remove the disputed items as soon as possible.
Product: Debt collection

Continue to call me and another number XXXX. 

saying I will be taken to jail etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!
Product: Credit reporting or other personal consumer reports

Tried to dispute with each creditor, stating that according to 15 usc 1692c the law clearly states if a consumer notifies a debt collector the consumer refuse to pay debt the collector must cease all communication. Reporting to my credit report is a sign of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than seven years.

15 USC 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

Some agency called Debt Recovery Solutions is attempting to collect a debt from XXXX, 2021 for a company called XXXX XXXX XXXX. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a fraudulent XXXX XXXX account on my credit report. They have sent me a letter to express that the account can no longer be reported by them. This account is the result of identity theft and it needs to be removed.
Product: Mortgage

I sold my home on XX/XX/scrub> 2024. The buyers assumed my home mortgage loan from Flagstar Bank on this date. The title company and my realtor stated that I would receive a check in the mail 4-6 weeks after the closing date for an XXXX XXXX. That time has passed and I opened a case with the mortgage company on XX/XX/XXXX to see when my check would arrive. 

Flagstar Bank admitted to sending the check to the property that was sold on XX/XX/XXXX, instead of my new residence. They stated my new address was not on the paper work to send the check to, which is incorrect. They have my new address and I know this because I received the loan assumption and release of liability notice/document nearly two weeks after the sale closed. 

Flagstar opened a case to investigate this matter and they told me the issue would be resolved with a new check sent out to no later than XX/XX/year>2024. 

On XX/XX/scrub> 2024, I received an email from Flagstar Bank regarding my case and that it had been closed. The email did not contain the resolution, so I called them to find out. The representative that I spoke with stated my check was being sent to my new address that day and I should receive it in 3-5 business days. That time goes by and I call them again on XX/XX/year>2024 and asked where my check was. They stated that I should expect it in the mail no later than Friday XX/XX/year>, due to the bank holiday that prior Monday. 

That time and went again, so I called Flagstar and they told me that the check was sent to the sold property on XX/XX/year>2024 and it was cashed by the buyers of the property. Flagstar stated that the check was sent in the buyer 's name and not mine to the property address. The buyer called Flagstar and opened a case on XX/XX/year>2024 and asked what the check was for. A Flagstar representative told them it was a surplus check and they could cash it. 

On my end, no notice was sent to me regarding this cashing of the check. Flagstar willingly told the buyer that they could have this escrow refund. Then two different representatives of Flagstar told me I would receive my check in the mail ( NOTE : they do not send checks with a tracking number either ).

I spoke with a new Flagstar representative and their customer service management on XX/XX/year>2024 who stated that they need to check with the assumptions department to find out what happened and see how I can get my escrow refund. They did not give me a timeline as to when OR if this issue will be resolved. 

In summary, Flagstar Bank sent my Escrow Refund check to the buyer of my previous home, in their name. That buyer cashed that check with Flagstar 's approval. Flagstar told me twice that I would receive a new check at my new address and in my name. Flagstar then told me the new check was never sent, as the first was cashed by the buyer of the home.
Product: Credit card

I have capitol one bank and my card has been locked for 2 months now because capitol one refuses to accept my documents that I sent. 

My card was locked back in XXXX of this year due to suspicious activity on the account. 

I already spoke with capitol one and they asked me to send in documents The documents they asked for was a picture of my ID front and back, my bank statements, utility bill, they wanted these documents for proof of residence When I applied for capital one I was XXXX XXXX XXXX and living with my grandmother. So the address thats on the account that they want me to show proof of residence for I dont stay there anymore I have my own apartment now. 

Since I was staying with my grandmother at the time I told capital one that I wouldnt have any utility bills that's in my name because I was staying with someone at the time. 

I sent them the front and back picture of my Id and my chime bank statements and they told me they couldnt accept my chime bank statements because its not considered a real bank. 

Now theyve asked me to send a picture of my key bank statements I sent that and they said it couldnt be verified XXXX being told that my account is permanently restricted and I wont be able to use it again. 

They are stealing my money I put XXXX $ as a security deposit and I cant use it this should be illegal
Product: Credit reporting or other personal consumer reports

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This action being taken each month it affects my credit score, credit report, and creditworthiness.
Product: Vehicle loan or lease

My husband and I purchased a XXXX XXXX on XX/XX/2019 and got financing via the dealership. I noticed in XX/XX/2019 that the extra money we were sending to principal was actually being applied to the next months bill. I emailed the company and told them to correct this and to apply any extra money that I send in the future to principal. They corrected it and informed us that we would need to send 2 separate payments each month in order for this to happen. So for the XXXX and XXXX payment we did but yet they still applied it towards the next months payment. I then emailed them again and they said to call them as they would not correct it. I then proceeded to call them and was told there was no way I could pay towards the principal other than to call every single month, once the payment was posted. This would take 2-3 business days to apply for them to apply it correctly which then causes more interest to accumulate. When looking over my loan documents it says absolutely nothing about this. Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, someone tried to open a XXXX XXXX  Account with my information. I immediately notified XXXX, my credit union, and alerted the XXXX major credit monitoring services and froze my credit. I'm applying for a loan and I needed to unfreeze my accounts. I was able to do this with ease with XXXX and XXXX, but when I went to Experian it told me first that my phone number didn't match, then it kept saying it sent a code to my cell and it never came, then I had it call my phone and it never came. Another screen I tried said my birthdate didn't match my social. So I tried to call three different phone numbers to try and talk to a human, but I kept getting caught in the " report a fraud '' automated loop. I want to reclaim my information from whom ever has stolen my Experian information, but there is no information found easily on the Experian Website on what to do if your Experian account was hacked and stolen. 

It looks like this is becoming a common problem for people too. Please help. 
https : XXXX? XXXX
Product: Money transfer, virtual currency, or money service

I HAVE RECEIVED AN UNAUTHORIZED XXXX TRANSACTION IN MY WELLS FARGO ACCOUNT. REPORTED IT RIGHT AWAY, ASKED THE BANK TO CANCEL THE TRANSACTION AND REFUND THE SENDER BUT IT CLAIMS THAT DUE TO MY MY ACCOUNT BEING OVERDRAFTED, THERE WERE NO SUFFICENT FUNDS TO REVERSE TRANSACTION. WHICH IS LAWFULLY ILLEGAL TO MY KNOWLEDGE. 

I NEED THE BUREAU TO HELP M
Product: Credit reporting, credit repair services, or other personal consumer reports

1- XXXX XXXX/XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 2- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 4- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 5- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 6- XXXX XXXX XXXX XXXX XXXX, XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 7- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 8- SXXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 9- XXXX XXXX XXXX. XX/XX/XXXX UNAUTHORIZE INQUIRE ON MY EXPERIAN 10- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 11- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 12- XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 13- XXXX XXXX, XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 14- XXXX XXXX XXXX  XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 15- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 16- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

ON XXXX I submitted a question to Mohela I am showing that I have a loan or several loans that have been in repayment for XXXX years now. When do I find out and how do I find out if these will be forgiven? 
Sometime this week it is not dated I received this response : Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Please be advised, loan sequences XXXX and XXXX were recently consolidated and disbursed on XX/XX/2024. When you consolidate your student loans, one of the disadvantages is the loss of qualifying payments made ( prior to consolidation ) towards PSLF and Income-Driven Repayment ( IDR ) plans. 

For more information on the advantages and disadvantages of consolidation, please select XXXX XXXX under the XXXX XXXX drop down at the top of this page. Then select Loan Consolidation. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXX XXXX M, XXXX T-W, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

I also know that on XXXX that it does say Switching from one qualifying repayment plan to another including XXXX will not affect your total payment count toward forgiveness. 

I would like a response and for this to be looked into.
Product: Debt collection

I have a collection account listed on my credit report by LVNV Funding. I asked for written verification and validation of the debt. I received a letter from Resurgent Capital Services in response to my inquiry telling me they manage the account with LVNV Funding. They only sent me an account summary report that was prepared by Resurgent Capital Services on the behalf of LVNV Funding.