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

The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education XXXXs Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.
Product: Mortgage

was not able to modify loan, belive it was discrimination, sold mortgage to XXXX XXXX XXXX for no reason house has needed repairs rhat could of been taking care of sent death certificate for my husband still on the loan I am elderly XXXX yrs old, my son realized that I was being taken advantage of
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my credit report and have no idea where they came from???!!! I want them removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX Accouint Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX  XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX Account XXXX Balance {$1700.00} Date XXXX XXXX  Account Number XXXX Balance {$3500.00} DAte XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I filed a report with the FTC and sent the documentation to XXXX XXXX XXXX XXXX, but they are still reporting this to the credit agencies. XXXX XXXX is trying to ruin my reputation.
Product: Debt collection

I had defaulted on my Citibank loan. I had discussed this with them, settlement made, debt paid.
Product: Debt collection

I have 2 fraudulent debts from the same debt collection company LVNV Funding LLC.

One in the amount of {$1900.00} and another one in the amount of {$1700.00}. 
Again I am in the process of having an investigation for identity theft and credit accounts opened fraudulently in my name. 
These are not my debts and collection attempts need to be stopped. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have a few accounts and inquiries appearing on my credit report.
Product: Debt collection

I am not familiar with this company and they called my family members home phone several times and left a message for me to call. I do not live at this home nor did I provide their home phone for my contact info.
Product: Mortgage

My wife and I purchased a new XXXX manufactured doublewide home in that year and financed it through XXXX XXXX XXXX XXXX... and subsequently found that Triad Financial Services was the actual underwriter of that financing. 
Almost from the beginning more than 7 years ago, there were issues with Escrow, specifically taxes, resulting in multiple attempts to raise the tax portion of Escrow ... which raised our monthly house payment substantially - at one point from less than {$600.00} to over {$1000.00}. As a result, we have worked with our County Treasurer to verify our actual annual taxes in several different years. In several prior years, we worked with XXXX to correct the error, and that would ultimately work. Unfortunately, XXXX advised us they were ending their relationship with Triad and that we would have to work directly with Triad from that point. 
For about XXXX and XXXX years, all was well, with our payment staying at {$570.00} and change. In late XXXX, XXXX, however, we were advised by Triad that our payment was now {$840.00} and change. We are on Social Security and can not afford such a payment regularly... so we asked XXXX XXXX, the Treasurer, what our annual taxes were currently, and to email Triad to advise them. She advised that our XXXX taxes were {$250.00} per half ... or $ XXXX. 
Triad 's XXXX XXXX advised me they had paid {$830.00} on XX/XX/XXXX ... and {$830.00} on XX/XX/XXXX, and gave me check numbers for those payments- which allowed XXXX XXXX to determine they paid taxes on another parcel altogether - a commercial property with much higher taxes... NOT my property. She has emailed XXXX the correct parcel and taxes in late XXXX ... and our monthly payment is still {$840.00}. Further, I make payments online, and unless I make ( their ) payment, the website won't accept it. 
I have made the higher payment twice- in late XXXX and late XXXX- all while calling them XXXX or more times ... and they have charged me with a missed payment, which lowered my credit rating by XXXX points. When I paid those payments, it has been at the expense of other payments, including for food. 
They have advised me multiple times it would be " fixed '' by XX/XX/XXXX ... and, most recently, it was being " reviewed, '' and " should be '' corrected by XX/XX/XXXX or, at latest, the XXXX. 
As I write this, it is XX/XX/XXXX, and their site tells me I need to pay {$840.00}. 
Please get this corrected. Thanks in advance for your assistance. 

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

I mailed a dispute letter to Transunion on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.
Product: Debt collection

Received charge on my credit card in the amount of XXXX from XXXX on XX/XX/2022. The same day, I contacted my CC company and they removed the charge. An investigation was performed and confirmed that this charge did not belong to me. 

XX/XX/2022, I received a letter, in the mail from Chase XXXX claiming that I owe XXXX XXXX. This amount is different from above charge. Therefore, its not clear to me if this is related to above or just a separate false charge.
Product: Mortgage

On XX/XX/XXXX I was informed by US mail, that from XXXX XXXX XXXX XXXX XXXX, Az XXXX of a " Notice of Servicing Transfer '' effective with payment due XX/XX/XXXX. 

NewRez LLC would collect payment going forward. 

contact information provided was NewRez LLC Customer Service XXXX XXXX XXXX XXXX, SC XXXX On XX/XX/XXXX, I was informed that I had successfully secured an online account to pay the XXXX mortgage with NewRez. 

This email informed me that the Customer Service Team was available at XXXX or XXXX. 

I could not access the payment account after setup to pay the XXXX payment, so I contacted their provided number by telephone call. 

I informed them that I was the estate executive/Successor Trustee for the property/loan and was attempting to make a payment, but was locked out. 

I was furthered informed that because of privacy, I would need to forward copies of Certificate of Death/Revocable Living Trust documents to NewRez. 

I was provided a contact receipt via email on XX/XX/XXXX. 

Followup phone calls informed me that Shellpoint Mortgage Servicing was confirmed as the actual responsible party for the XXXX transfer, ( NewRez LLC owns the lien but Shellpoint Mortgage Servicing ) would need the document as well, to assist me with payments. 

As of today, XX/XX/XXXX, I have not received a response in any way, or the promised followup to assist me as the property owner to continue to make payments/provide whatever maybe requested as the heir/executive/trustee from either NewRez/or Shellpoint Mortgage Servicing. 

The property has never been delinquent on a loan payment since it was purchased in XXXX.
Product: Money transfer, virtual currency, or money service

I am typing this up today to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions would not be feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable, and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Chase to provide me with debt validation and they never responded to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed Ally Financial about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Product: Vehicle loan or lease

My car loan is through Chase JP Morgan! 
First they reported 3 separate 30 days delinquent reports to the credit bureau on my account and accused me of NOT making my payments for 3 months! My credit score was well above XXXX and now has dropped down to XXXX because of these false accusations made by Chase! 
On top of that my car had been put into Repo, added on so many extra fees to my statements that also shouldve never been there, forcing me to use my savings to pay them {$3300.00} just to get my car out of Repo, so Id have a car to drive to work! 
In the meantime I have proof of every single months payment being made, every single check deposited & stamped by Chase bank proving I had zero late payments and zero payments missed!

I faxed all of my proof over to Chase Wich they claimed to investigate my account! Nothing ever got fixed!

They are currently holding my money {$3200.00} that does NOT belong to them and has not fixed the problem yet after 3 months of faxes, phone calls for hours, proof of my payments, just for this to happen again this month in XX/XX/year>! They are saying Im late for XXXX payment when in reality I have proof my check was cashed & deposited on XXXX XXXX 2025 before my due date of XX/XX/XXXX even, but they are claiming they havent been paid! 

Nobody has ever been able to fix this matter and on top of the time of lost, money Ive lost from missing work, costs of paper trails and faxes, repo fees, late fees I have contacted an attorney and I feel others should know that chase is a joke & have many incompetent employees who seem not to care to fix these issues that continue to never get resolved!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/year>, and I found that some addresses and other personal information to be incorrect. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C. 1681e ( b ). 

TransUnion continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter ( Evidence ) that Ive sent XXXX in XXXX of XXXX.
Product: Student loan

Started repaying my loans in 2010 to XXXX XXXX which is now Navient. I have been struggling since then to repay my student loans and have been living below poverty level to make sure that my bills are paid. I contacted Navient several times to try to set up a payment plan that I can afford. They refuse to work with me and I just can not afford their idea of a payment plan. My parents offered to do a settlement and the representative refused and was rude and condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, nor did I authorize these companies to pull my credit/
Product: Credit reporting or other personal consumer reports

XXXX BANK WRONG SSN SHOWN ON MY REPORT - REMOVE IMMEDIATELY XXXX XXXXXXXX XXXX - INCORRECT ACCOUNT DETAILS-REMOVE IMMEDIATELY
Product: Debt collection

I am being sued for credit card debt that I am unable to pay. I am XXXX and my sole income is judgment-proof SSI and Social Security, with no foreseeable change in my situation.
Product: Money transfer, virtual currency, or money service

I've had a paypal account for quite some time now. I do not own any businesses nor do I use paypal for business purposes. I use paypal for personal friends and family only. On XX/XX/2022 I received a payment to my paypal account which is XXXX - in the amount of {$2500.00} from XXXX XXXX. This payment was not associated with paypal or any paypal transaction. This was money owed to me by XXXX XXXX. When I logged into paypal to withdrawal my funds to my debit card, I learned paypal permanently limited my account. I did not violate any of their user agreements nor did I do anything wrong to paypal. They asked for a utility bill, bank statement and photo id which I provided immediately. They still limited my account- although all my documentation was 100 % correct. Now paypal has placed a hold on my funds for 180 days, in which everyone knows on or around day XXXX, paypal will confiscate the money for theirselves and steal from their customer. This money is my money that was paid to me by XXXX XXXX and governed by the XXXX  XXXX XXXX. Paypal is not allowed to take these funds or govern these funds in any way. 

I am an elderly XXXX XXXX XXXX man who has alot of medical bills and this money is needed to pay those bills. Paypal will not be keeping my XXXX in any fashion. Holding my funds is elder financial abuse in the state of PA and also violates the Pennsylvania XXXX XXXX laws since this is casino money. I can not wait 180 days and will not be subject to paypal taking my funds for " damages '' like they do to all their customers. I'm in dire need of withdrawing my funds and will be filing complaints with state department on aging for financial abuse and the PA XXXX XXXX for illegal holding of casino money. I ask that paypal remove my limitation so that I can withdrawal my funds and then they can close my account, as I don't want to do business with any company who doesn't abide by financial protection laws and makes their own rules. 

Paypal username is XXXX. Again - I use paypal for personal reasons only. No business involved and no business income. I'm XXXX XXXX XXXX retired and sick. I want my {$2500.00} now. It's a coincidence that they limited my account as soon as I received a large payment. This is paypal 's normal course of action. Limit an account and place hold on funds- wait 170 days and then take the funds and claim a user violated some policy. I never saw any policies from paypal and will not be subject to elder financial abuse. I've also filed complaints with XXXX, Office of PA attorney general and PA XXXX XXXX
Product: Debt collection

This morning I was notified that an account previously held by XXXX XXXX and had been closed and settled yet this collection agency is attempting to collect for the same and already closed account. Not to mention that the account was already found to be unjust through CFPB! 
Phoenix Financial services has breached my rights by attempting to collect an already settled account!

Below Is the already settled account that they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my previously unused Chase credit card fraudulently for months. I was never notified of the use and it was obviously not mine. I reported fraud and the credit card company agreed and also agreed to remove it from my credit report which has still not happened. They reported it past due XXXX and XXXX of 2020, I only discovered it due to seeing it on my credit report at which point I immediately closed the account, reported fraud and disputed the report.
Product: Credit reporting

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Product: Student loan

Called XXXX XXXX XXXX today spoke with XXXX ... my loan payment jumped from {$5.00} to {$270.00} dollars monthly payment which is coming up due XX/XX/2018. I called today to see about lowering my monthly payments to something more affordable. I have a car payment and rent and many bills. The rep ask me my income, if I'm married and if I have dependents. He placed my on hold got back on the line ask me how I can afford as monthly payments then told me he can lower it to {$150.00} per month. I can't even afford that then he said the only other option if forbearance. Also I inquired about why there is a diffrence in interest accrued from navient website and from the nsld.ed.gov website and was told they might have inaccurate information but ours is up to date and current the rep stated Congress sets the rates. But he then mentioned if I have my loans on auto pay I can get a reduction on the interest rate which confused me.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX  - Account # XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry from XXXX XXXX appeared on my Credit reports on XX/XX/. 

I have not made any application to XXXX XXXX in over 5 years. 

I would like to have this hard inquiry Removed from my Credit
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and faxed this credit bureau beginning on XX/XX/XXXX to XX/XX/XXXX on numerous occasions asking for these inquiries to be removed that I didn't approve or know knowledge of. I even placed a fraud alert, reported them on the FTC website and have frozen all three bureaus and they still have not deleted the following inquiries : XXXX XX/XX/XXXX a fraudulent acct that was closed due to fraud on my account. XXXX XXXX XXXX  XX/XX/XXXX a account that was paid and closed in XXXX, so how is there a new inquiry from that company. XXXX XXXX XX/XX/XXXX that was a fraudulent inquiry.
Product: Credit reporting or other personal consumer reports

The attached credit report contains unverifiable contact information which under federal laws should be removed. Secondly, the company has not provided my requested XXXX XXXX that they are reporting.
Product: Credit reporting or other personal consumer reports

Ask for credit bureau to remove inaccurate information. Also accounts that is reported without my consent. XX/XX/2025 and XX/XX/2025. When disputed was done updating. Their response was it was staying on my credit report.