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

I reviewed a copy of my Experian credit report and I was shocked to learn I have been a victim of identity theft. I found an account on my credit report that was not opened by me. I reached out to Experian regarding this matter and they refuse to do an proper investigation. USPS tracking # XXXX I provided them with an FTC identity report and Police report proving the identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove XXXX XXXX XXXX account # XXXX from my credit report as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian and asked for a freeze on my credit report. ( Actually I asked that they delete all information about me and please forget that I exist. They said this was not an option. So Then I requested a freeze on my report. ) They said they were unable to assist me today after correctly verifying my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 120 days since i have been trying to get Equifax to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Equifax is reporting inaccurate information on my consumer credit report. To this day Equifax has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Equifax has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Product: Consumer Loan

In XXXX of 2009 I was down on my luck & had bad credit. Thrift Investment gave me a car loan & an astronomical rate ; with no chance of re-finance or early pay-off without a steep penalty. Unfortunately in XXXX of 2009 - I was in an accident and the car was deemed totalled by my insurance company. My insurance company paid them ; but per my insurance rep - they wanted the total payoff of the loan ; not the amount the car was worth retail. If memory serves I bought the car around XXXX ; with an astronomical interest rate for a total payoff of like {$9000.00} ( my numbers here can be wrong, since the paperwork & loan info for the car has been in storage ). My insurance paid them. But apparently not enough. They are claiming I owe them {$69.00}. I tried to call them to day to get information on why I owe them {$69.00} when the car was totalled 6 years ago & they got a hefty sum from my insurance company. The ONLY thing I got in return was verbally assaulted, asked how I could look at myself int he mirror and what the XXXX is wrong with me that I ca n't pay my bills and I was XXXX because I didnt pay my bills. I was never offered proof of this debt or anything. The only thing I received from them was a continual non-stop onslaught of verbal abuse throughout the entire telephone call. I was an still am deeply disturbed by the apparent lack of not only common courtesy but humanity by the representatives of this company. The lack of human decency by XXXX from Thrift Invesntment is something that no human being should EVER have to be subjected to. I was repeatedly called XXXX & asked how could I look at myself int he mirror knowing I dont pay my bills. I was not even given an opportunity to ask for proof of this debt, I was no t allowed a word in edgewise after my initial inquiry to provide my name & ss # - that is when the onslaught of personal attacks began & did not end until I was hung up on.
Product: Debt collection

Multiple calls over a long period of time, almost twice a day, told them to stop calling repeatedly, but they keep callling
Product: Student loan

In XX/XX/XXXX, I was under the impression that I needed to submit a new XXXX verification to resume student loan payments in XXXX and, as such, I submitted my application to mohela. They denied my application stating that my new payment would be higher. 

I then asked for a letter regarding my payment amounts so I could submit it to my mortgage company as I am in the process of buying a house. They provided me with that letter and stated my payment amount was valid until XX/XX/XXXX. 

Shortly thereafter mohela increased my loan payment without any pending application before them. I am also confident they have calculated my new payment amount incorrectly. 

I brought this to their attention and requested a reinstatement of prior payment. They submitted an application which remains pending now several weeks later. 

I brought this to their attention and emphasized that time was of urgency so I could close on my new home. They have still yet to make a decision on the request. Meanwhile, they have also placed me on forbearance which now jeopardizes the purchase of my new home.

Additionally, placing me on forbearance deprives me of the opportunity to make payments and extends the length of my repayment period.

I have tried calling them on numerous occasions and Im almost never able to speak with anyone, let alone anyone with any actual training that can help resolve my issues. For example, today I was hold for over 4 hours and was not able to speak with anyone.

At this point, their actions are potentially costing me thousands of dollars and I am being penalized to no fault of my own.
Product: Debt collection

I tried to reduce monthly payments of {$310.00} with Navient, in XXXX 2017 They refused to lower the monthly cost instead they wanted me to give them more money than what was asked of me. They agreed to give me 3 months to try and get enough money to pay them what they are asking. The amount they want me to now pay monthly is {$310.00}. I tried to switch to another carrier such as XXXX, XXXX XXXX XXXX told me I could not because I do n't have any other student loans to consolidate this with. It 's a stuggle to pay this amount please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction or removal of inaccurate information on my credit report. My personal information must be accurately reported in compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Consumer Data Industry Association 's ( CDIA ) Metro 2 compliance standards. 
Any misreported information that can not be verified must be deleted immediately. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, California XXXX. The following personal information on my credit report is incorrect and should be removed : Incorrect Name - BEST, XXXX, XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Nevada, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The entity XXXX is reporting a XXXX score for me that reflects adverse action for XXXX student loans for XXXX XXXX XXXX These loans were paid off, XXXX in XXXX, and the other in XXXX. I contacted ECSI the company that serviced the loans. On the first contact call a representative pulled up my account right away. She advised that they had not reported anything on these loans in a few years. XXXX uses XXXX and XXXX. I contacted XXXX after launching an investigation that closed out without there being any changes from them as far as removing the derogatory comment effecting my credit score. XXXX shows the accounts as closed and in good standing. XXXX XX/XX/XXXX, I contacted ECSI again with the intent to request that they have XXXX and any of the other Credit Reporting Bureaus delete those student loan accounts from my reports. This time I was given a major XXXX runaround, and put on exorbitant hold times while being told that no loan accounts could be found for myself, or my school, XXXX XXXX XXXX This was just the week following that of which my account was found without any problems.
Product: Mortgage

Mortgage loan was sold to specialized loan servicing after closing. We went to pay it off XXXX in FULL/SATISFIED the mortgage completely! I did receive letter of mortgage satisfaction from them. They even filed it with XXXX XXXXXXXX XXXX and that Government agency recognizes it as paid IN FULL/SATISFIED {$0.00} balance! My credit report did not updateso I called them to request that they report it for me! They flatly REFUSED and said I had to dispute it! I have done so multiple times and when the credit agencies try to get confirmation based on my letter of satisfaction.all that gets sent back is that the loan is open status unchanged and it is current with almost XXXX XXXX dollar balance reflecting! IT IS WRONGit is a ZERO BALANCE! They got my money!! I need this fixed. It somehow feels illegal! The only thing that I can figure is that on the day that I sent the FULL payoff, Specialized Loan Service was absorbed by another company called Shellpoint which is a subsidiary of Newrez! SLS no longer exists as it is now a part of Shellpoint and Shellpoint doesnt feel the need to report this payoff to the credit bureaus.as they are a debt collector agency apparently! My credit is impeccable resting normally over XXXX is messing with my credit showing erroneous outstanding balance of almost XXXX a XXXX dollars! I am a XXXX patient that doesnt need this stress. Please HELP. I would prefer to not have to get my attorney involved!
Product: Debt collection

I have received phone calls from multiple numbers about a past due debit when I would state Hello the call would end. Today XX/XX/2019 my mother XXXX XXXX, father XXXX XXXX and step mother XXXX XXXX have received numerous phone calls about arresting me if I didn't pay the past due debit right away. My mother was left voicemail releasing information about my self and the debit. 1 out of many voicemails I received stated " XXXX XXXX this is XXXX XXXX contacting you regarding your case in the process to be filed for XXXX County my wall when your case number XXXX is filed it does become a matter of public records and an order for your location I wasn't able to reach you by phone today so I was now instructed to contact your employer and speak with your supervisor because that is your most likely right to make contact with the office the case before the order is released when the case is filed discharge that we no longer be an option all legal rights will be forfeited in the phone number to the office the case has been provided to XXXX speak with the legal department our reference case number is XXXX is your legal notification by telephone XXXX   you will now be located we in less we are instructed other wise ''. My father XXXX XXXX was told I ( XXXX XXXX ) would be arrested and toking to jail for not paying the past due debit. The lady named XXXX stated she would be going to the home of XXXX XXXX XXXX XXXX Ks to pick me ( XXXX XXXX ) up. My step mother XXXX XXXX was contacted and making threating tactics " we will '' pick XXXX XXXX up due not getting the funds right away. I have never lived at XXXX XXXX XXXX. I have attached 1 of the voicemails below.
Product: Vehicle loan or lease

I leased a car for 36 months and made lease payments through Chase Auto. I made all payments on time and returned my vehicle to a local dealership after the lease was up. The dealer said there were no problems with the car and signed paperwork to confirm I returned the vehicle. Attached is paperwork from the dealer stating there was no collision damage or vehicle abuse. A few weeks letter I got a letter from Chase Auto stating that there were {$10000.00} in damages and had an itemized list. None of the damages made sense including broken headlights, dings, scrapes, chips, etc. I asked for photos and for MONTHS they just continued to send letters and call me without sending photos. They tried collecting less and less from me each time acting like they were " forgiving '' me for some of the debt, meanwhile there should have been none in the first place. FINALLY they send me photos of the vehicle which essentially showed XXXX of the damages they described. At this point it is just my word against theirs and I am out of options.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate.

Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Credit card or prepaid card

I have a credit card account with Citibank, with last four digits XXXX. 
I have called them many times to dispute a charge of {$620.00} from XXXX made on XX/XX/2019. 
However, citibank reps over the phone refuse to accept or acknowledge my dispute in violation of Federal Fair Credit Act.

Citibank is racially discriminating against me as a person of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved and applied for a credit card with XXXX XXXX on XX/XX/2021. 
Reference number XXXX They declined my application and said it was because I have no credit history. I have over a decade of credit history and have had no problems with getting credit in the past. 

They suggested we do a manual application so we did that on XX/XX/2021. 
They rejected it again and told me I don't have a credit history. I was able to pull all 3 of my credit reports and I faxed it to them after they requested it. 
They still refused my application and would not escalate it. I clearly have a credit history. They kept saying that it is Experian and XXXX 's issue and I should speak with them. 

I talked with XXXX and they said that they see that there was hard pulls on my credit report by XXXX XXXX so they must have got my credit report. They said it was XXXX XXXX 's issue and that everything is fine on their end. They refused to escalate or talk with XXXX XXXX on my behalf. 

I called Experian several times but was put on hold for over an hour each time and never got anybody on the phone. 

I could not get any of the companies to escalate the issue for me because I very certainly have a credit report. I do not know what to do or how to have this resolved.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit reports and saw fraudulent accounts that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information reported. 

Don't have a XXXX XXXX XXXX XXXX as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605
Product: Mortgage

I am XXXX XXXX and went on forbearance during Covid19. Mr. Cooper approved my forbearance and said I didn't need to worry about making my mortgage payments. I was on unemployment collecting {$2000.00} a month. Now that my forbearance is done, I called and applied for loan modification and was denied because they couldn't lower my payment, that's what they told me. I told them I am not looking for lowering my monthly payment, I am back to work and can pay higher amount, I have asked for deferment of the past due, I have asked for payment plan, and I have asked for loan modification. I have even offered to pay {$30000.00} towards the past due amount. and all of this was refused and I was told sell my house or they will foreclose.

I am currently behind {$75000.00} in mortgages payments. My last letter to Mr. Cooper asked if I can pay {$30000.00} towards the past due and if they can divide the rest into 12 months. or defer it. Today they told me that was denied as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently started using a XXXX XXXX XXXX card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  work and XXXX charges applied. On XX/XX/XXXX I was notified by Chase that there was a change on my credit score-my XXXXREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by XXXX bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted XXXX and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the XXXX balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous XXXX accounts and history but they do not have ANY ability to assist with problems with XXXX you are on your OWN! 
2. XXXX customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the XXXX credit card? Are you better off leaving it at XXXX unused until XXXX discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for XXXX on XXXX and wallet nerd that I see I am not alone ... ..
Product: Student loan

they are incompetent and are not processing my PSLF applications correctly. I worked at XXXXXXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and they missed the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the form covered from XXXX to XX/XX/XXXX. 

I also turned in a form from XXXX that covers XXXX and XX/XX/XXXX and next month I will turn in for XX/XX/XXXX and I qualify for forgiveness. Some incompetent closed all my forms out except for 1 and I had two forms for two different agencies that has to be processed. They left XX/XX/XXXX form open and now the 90 days starts over I had to submit two more forms today. If they can not properly handle student loans they don't need that contract.
Product: Debt collection

This company is posing as XXXX ' from XXXX , Utah . I cancelled a membership to XXXX of XXXX ( Texas ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.
Product: Mortgage

I applied for a refinance loan on XX/XX/XXXX Since then my file was returned by the underwriters at least six times for information that should have been identified at the initial review, this caused me to fax data as follows. XX/XX/XXXX, XXXX XXXX The XXXX dates are : XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, AND, as I'm completing ths I recd a call for more information on data I know previously submitted, The XX/XX/XXXX request was for my permission to obtain a new credit report as the original had EXPIRED. Todays request for additional information on bank statements submitted in early XXXX Another problem is the failure to notify me of personnel moves. As an example : My processor was off duty from XXXX to XX/XX/XXXX without notifying me of her back-up. My loan consultant was replaced, again I was left without a person to call for status.
Product: Mortgage

We worked with Cardinal Financial Co. to refinance our house in the Spring of 2020. After closing, Cardinal, via their settlement company, XXXX XXXX XXXX XXXX XXXX made the first property tax payment on our house shortly thereafter. The loan was subsequently sold to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX became the servicer. 

We received a 2020 IRS Form 1098 for the property tax from XXXX for the second tax payment of {$2100.00}. We did not receive one from Cardinal. I have had numerous calls with XXXX who eventually told me that the only person at Cardinal who could do anything was the agent, XXXX XXXX. I have called XXXX XXXX and left messages and have emailed him three times with absolutely no response. I was told in XXXX that the 1098 had been mailed out and that I should get it in a week or so. I didn't. In trying to contact someone at Cardinal I kept being looped back to XXXX who told me that that could not issue a 1098 for a payment that they didn't make. Finally a gentleman at XXXX referred me to XXXX XXXX XXXX and they emailed me a copy of the check that was issued by them on behalf of Cardinal for the first property tax payment.

I still can not get in touch with any responsible party at Cardinal and have asked that my account proceed to file our taxes without the missing 1098.