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

Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to TransUnion and XXXX to which they have not resolved my issues on my report. My family and I are truly distraught because I really need to obtain a home for the well being of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.
Product: Student loan

On XX/XX/18, I reached out to XXXX XXXX in regards to a charge-off that I noticed on my credit report. After waiting to hear back from a dispute that I opened through XXXX, it was noted that XXXX XXXX was not willing to budge on this. I first spoke with a gentleman named XXXX XXXX. When I was speaking with XXXX, I expressed the issue at hand. He first was upset that I did not update my address immediately with him. I expressed how due to personal issues, housing was not consistent and there was no address to update with him for a good period of time. Then, after hearing the amount due, I offered to make small monthly payments but they refused. I was told that if I do not pay the full amount due now, they would report it to a third party which would then in return not allow me to get future jobs of liscenures. I was then told that I need to ask family, friends, and coworkers to pay the amount. I told them I have no-one to ask and I then was hung up on. I then called back, spoke to a supervisor and was told I would get a call back. I then recieved a call back from a different supervisor and she again was unwilling to work with me on anything. I stated my situation and they refused to do anything with deferrment post dated. I was on XXXX, food stamps etc during this time, and they refuse to do anything. After speaking with University XXXX XXXX, they are not too sure why the loan was even taken out in the first place. I attempted to then call XXXX XXXX once more, but no answer or return call. The experience has been horrible. I am willing to do small monthly payments, but they refuse. I do not like the fact that I was threatened with my future livelihood, nor the fact that were entirely unwilling to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Fair Solution
Product: Credit card or prepaid card

I booked a trip to XXXX through XXXX. XXXX cancelled the trip due to boarder closing due to COVID-19 on XX/XX/2020 and indicated to contact your bank for reimbursement. I immediately called HSBC and opened a dispute. I have called multiple times, sent letters, and opened online inquiries as to date have not received anything. The total charge for the trip was {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Credit card or prepaid card

I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is CAPITAL ONE which was opened XX/XX/2013 with {$0.00} balance. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint sent to the company on XX/XX/XXXX : Freedom Mortgage placed me as a delinquent account on XX/XX/XXXX with XXXX. They followed that up with a derogatory account On XXXX XXXX with XXXX. On XXXX XXXX they reported to XXXX about a Improved account. The one that wasn't derogatory/delinquent in the first place. Now Freedom Mortgage placed me on Delinquent account on XXXX XXXX again, for the same account, and again in error. This is the kicker. XXXX lowered my credit score for them by XXXX points on XXXX XXXX. I asked for a 90 day forbearance on my mortgage loan from Freedom Mortgage for XXXX, XXXX, And XX/XX/XXXX following Hurricane Ida on XXXX XXXX. I was told by Freedom Mortgage that I was approved for a VA Modification Loan on XXXX XXXX. The loan started on XX/XX/XXXX. Freedom Mortgage repeatedly sent me letters trying to sign me up for a Covid type of forbearance that I repeatedly refused. They cancelled my VA Modification loan and this continues on through today. Freedom Mortgage told me that they do not report accounts to the Credit bureaus that are currently in Loss Mitigation. This appears not to be true. 

Their response on XX/XX/XXXX : XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Re : Your Complaint to the CFPB Complaint # XXXX Dear XXXX and XXXX XXXX : We have reviewed your complaint and researched the issue regarding your request for loss mitigation retention options. You called on XX/XX/XXXX and advised that you were impacted by a natural disaster. You were placed on the disaster forbearance effective XX/XX/XXXX through XX/XX/XXXX. You called in on XX/XX/XXXX and advised that you were ready to resume making payments. The Customer Service Representative ( CSR ) incorrectly noted our system that you needed payment relief under COVID. As a result, you were approved for the COVID refund modification on XX/XX/XXXX. You called in on XX/XX/XXXX and stated that you did not want a modification and wanted to be reviewed for the partial claim. We closed out the modification review on XX/XX/XXXX. The partial claim is not an option under the disaster waterfall. We sent a streamline offer to you due to the COVID designation being present on the loan. Since you were not impacted by COVID, you would need to submit a complete loss mitigation package to be reviewed for a modification. I have attached a loss mitigation package for your review. Your credit has been corrected from XXXX, XXXX to XXXX, XXXX to reflect as current and we have extended credit protection through XXXX, XXXX in order to provide you enough time to complete the loss mitigation process. Very truly yours, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Their response was satisfactorily however they have not done anything yet to date. Please re open the investigation or force them to comply with their mediation agreement. 
With kindest regards, XXXX
Product: Vehicle loan or lease

On XX/XX/2013 I got a car loan from Wells Fargo. I was paying XXXX $ For a warranty that did not cover everything they told me it would cover on my truck. Every time I would take my truck to the dealership they would tell me that the warranty was only for electrical stuff and I would end up paying out of my pocket. The loan was 72 months and when I called Wells Fargo to stop the warrantie that wasnt covering anything for me they told me that I couldnt stop paying for it. They said that I have to pay for it. They couldnt give me an explanation about it. So I kept paying for it. I just want to get reimbursed. I need justice.
Product: Vehicle loan or lease

You've Violated Me as A Consumer. Where you all have discriminated on me and sent an adverse action to me off of my credit report. FEDERAL LAW SUPERSEDE Your COMAPNY POLICIES AND PROCEDURES.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. 

Please remove this information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX These accounts was not made by me. I never gave written consent to furnish on my credit report. : XXXXXXXX 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
Product: Student loan

NELNET IS A STUDENT LOAN COMPANY. THEY ARE REPORTING THE SAME DUPLICATE ACCOUNT ON MY CREDIT REPORT OVER 10 TIMES. I ONLY HAVE ONE ACCOUNT WITH THEM BUT THEY ARE REPORTING THE SAME ACCOUNT OVER 10 TIMES.
Product: Checking or savings account

Try opening saving accounts with td, XXXX, XXXX  XXXX they all deined my accounts some negative information being report in my history.
Product: Credit card

XX/XX/year> I was issued a refund by XXXX XXXX motel in XXXX XXXXXXXX XXXX. The Refund went to reservationdesk.com. They were supposed to forward the refund to my Discover card ending in XXXX XXXX acknowledges the refund was approved and issued in XX/XX/year>, they emailed several times stating the refund was approved. I should wait 10 days., I can't get any more information from them, and my Discover card refuses to issue my refund based on those facts where I submitted their email saying that they were going to issue the refund in full. 

I expected Discover Card to get my money back, especially when they admit they owe me. Discover Card claims they can't do it for some reason.
Product: Money transfer, virtual currency, or money service

I used zelle to send money out but for some reason it sent it twice sometimes or it wouldnt go through until the next day and it would charge me twice for it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has given me difficulty the last ( 3 ) times when I try to access dispute information. I will put a dispute in through XXXX XXXX and will recieve an email from Equifax stating they are investigating the issue. Once they are complete, they send me an email with a confirmation # to go online and view the dispute results. Every time I try to access this online, they seem to can't varify me and I have to call in. Well, when I call in they ask me the same series of questions as the online prompt does. At the end of the conversation, they always say that they can't varify me and I need to mail in documents. 
It is the same information that all ( 3 ) credit beaures have on me. These people are rude and their is language barriers here. How can I make the necessary corrections to my credit report if I can't access it. They are truly no help. There is a blog out on the web of thousands of people who are complaining about how Equifax operates ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.
Product: Mortgage

Not sure where to start but the loan modification that i applied for with Penney Mac was on going but Penney Mac decide to move forward with the foreclosure sale even after stating in the month of XXXX that there was no sale date to worry about and the Loan Mod was in process I do n't understand why this company is XXXX XXXX on foreclosing on my home when i have supplied them with 99 % of the required documents for a loan modification review, I have repeatedly told Penney mac i would like to keep home and obtain a loan modification and not lose my home because of one outstanding document, which they have now as of the date of this complaint.
Product: Debt collection

I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to XXXX XXXX in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency JEFFERSON CAPITAL SYSTEM opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than XXXX  XXXX which took first ownership of the collections account to begin with. I believe that I have no knowledge of JEFFERSON CAPITAL SYSTEM made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against JEFFERSON CAPITAL SYSTEM
Product: Debt collection

On XX/XX/20, I was in a car accident in which I was not at fault which resulted in me having to go to XXXX  XXXX XXXX. This current car accident and all charges involved are currently in litigation and are being paid through this process/settlement. This company never notified me that it would be going to collections as I would have advised that this matter is being handled by attorney XXXX XXXX with XXXX XXXX  XXXX XXXX  office ( phone number : XXXX ), therefore not allowing this account to be entered into collections.
Product: Debt collection

My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named Portfolio recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name XXXX is trying to collect the same debt. I believe that Portfolio Recovery has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my information is impacted in the security breach from Equifax. I checked Equifax 's site after their recent security breach to seen if I was impacted. In addition, I received an email from XXXX XXXX XXXX on XXXX/XXXX/XXXX saying that my account was locked for multiple attempts to sign in. I have not accessed that account in over XXXX years. I would like to file a complaint against Equifax and hold them responsible for any negative impact to my credit or finiancial state. I am contacting the credit bureaus to place a fraud alert once their sites are available ( sites are currently down due to high traffic with this incident ).
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i pulled what little info i was allowed to access on my credit report only to find that there is incorrectly reported payment records on my credit reports i have tried calling to have the information corrected but was denied. even after my denal i tried to send a debt validation letter to the debt collectors but to no avail. this is a violation of several us codes of title XXXX. 15 usc 1692 false and misleading representations, 1692f unfair practices 1692g validation of debts, 1681e ( b ) accuracy of reports, 1681i disputes, 1681s-2 responsibilities of furnishers of information, 12 usc 5531 consumer financial protection act, the following codes apply and i wish to exorcise 15 usc 1681n & 1681o- civil liability, 15 usc 1692K civil liability