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

Dear XXXX cfpb ; XXXX XXXX  ; transunion , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately. These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP.
Please fix this situation and get back with me within 30 days.
Product: Mortgage

have been trying to get a loan modification for over two years, each time I was denied XXXX used the wrong income. I have equity in my property, yet I was encouraged to give a deed in lieu and hand over my equity to the bank. The foreclosure process by XXXX XXXX was horrendous and the trustee XXXX, XXXX XXXX XXXX XXXX made no doubt that they were not interested in assisting me what soever, and were very hard to reach I felt a like ping pong ball going back and forth between the lender and the trustee. XXXX has not been willing to help people of XXXX and it appears that this practice is systematic and prevalent in the City of County which shows in the XXXX complaints by unhappy customers. 
I received a compliance declaration from XXXX with California Civil Code which does not exist. 
I am unable to tell how the trustee came to be when I am in a securitized trust that I don't know how I got in and I can not find evidence of my loan in this trust,
Product: Payday loan, title loan, personal loan, or advance loan

I informed them I'm on limited income and the summer electric bills just really put me in a bind and that I was unable to make the loan .I did refinance at XXXX time, and then I got into trouble again, because I couldn't pay the electric bill. they call me everyday non-stop they even called me on a Saturday and I've told them I can not pay them and I don't know when I'll pay them.I get text messages I get voicemails and I call them back immediately and I tell them the same thing. I don't have the funds they get very rude, very attitudinal and I tell them please stop calling me. I've got health issues which start up every time you calland the lady named XXXX can get really rude with you and angry. and I've asked them and now today it's just awful I tell them to stop calling me and if they have to send it to collections it's been since XX/XX/XXXX and today is the XXXX and they still won't stop they tell me I have to come in and I said I can't come in and our policy. and I just tell him leave me alone please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XX/XX/2020 WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries and reported information listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries or checking accounts and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  with a balance of {$900.00} and XXXX XXXX  with a balance of {$5600.00}
Product: Student loan

XX/XX/XXXX - Was refused customer service records ( by XXXX XXXX # XXXX ) unless I had a subpoena. Also - when I asked about what company audits XXXX XXXX XXXX  ), was refused that information and was refused Employees Name and ID number. This all had to do with a loan repayment that XXXX failed to allocate correctly. As this was the XXXX time I have had to call about these payment problems, I was looking for answers. My XXXX XXXX has been affected because adequate funds were provided to XXXX, then did not allocate them correctly and sent money back to refinance company when money was still owed on loans. XXXX  never contacted me about the allocation being incorrect. Waited XXXX XXXX and then stated the loan payment was past due. Placed call to XXXX to find out how this happened and was told XXXX  should have corrected this issue and allocated funds so loans would be resolved. XXXX XXXX later I start getting calls from a collection agency saying they are calling for XXXX. Since XXXX I was paying the interest on our daughters loan. Every XXXX I paid more than was required and every XXXX XXXX or so I would get notice that there was a payment that was late. When XXXX was called, they said because I did not provide loan numbers, even though there was an excess of money, funds were not allocated correctly. I changed the way I pay, added loans numbers, same problem. This time it was because the loan payments were set for the XXXX and XXXX and I was only paying on the XXXX. I had many phone calls and asked for help with this many times and were always assured XXXX would take care of the problem and our payments would be handled correctly. They were not handled at all, the same mistake was made over and over again and my daughter and I are the ones penalized
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX is in violation of FDIC 5000 UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY Reporting an installment loan, closed-end, unsecured loan as open following 120 days pst due. Per policy, Charge-off should have occurred on our about XX/XX/2016. Instead, 12 month installment note has been left open with 4 years of late payments ( 48 ). 

Attempts to dispute have gone without change.
Product: Debt collection

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. JPMorgan Chase {$60000.00}
Product: Credit reporting or other personal consumer reports

THERE WAS UNAUTHORIZED CHARGES ON MY ACCOUNT AND THEY WONT DELETE IT OFF MY ACCOUNT
Product: Payday loan, title loan, or personal loan

I overpaid the final installment by $ XXXX. All I want is the credit moved to my savings account. NFCU wanted a full bank statement from which the payment was made to close the loan. I sent them the statement and still XXXX  days later there has been no movement on this transfer. I have checks bouncing I.e mortgage and car payment. I have spoke to at least a dozen specialists and nothing has been done to help me. Just an overall bad customer experience
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I have disputed items on my credit report with equifax that have remained. I have also sent certified letters to the below companies asking the debt to be validated. It is my HUMAN RIGHT TO REQUEST THIS BY LAW. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Yet I have gotten a response from them with information I asked of like signed contracts and proof that this is in fact a valid debt. 

These accounts should be removed from my credit file as my rights have been violated. These accounts have not been validate by EQUIFAX yet they have remained on my reports XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Listed as medical ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Listed as medical )
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2025, I lost XXXX  points of my credit score for no reason.

I'm complaining because I don't have any missing payments or any late payments at all ; all my accounts are in good standing, and my student loan is not due for payment as I'm still in school.

I need clarification as to why my score went down to XXXX  points.

I had been working so hard to get my score in good standing, and now, for no reason, it went all the way down to poor credit after it was a good rating.
Product: Credit card or prepaid card

My account was locked back in XXXX due to a 'change of address '. I in fact have not changed my address and it has been the same for years and have provided the necessary information they asked for, multiple times.. Every time I call to check the status of my account, I'm told that the " FIU '' department is the only department that can unlock my account and that they are only able to be contacted by email which I'm sure is absolutely not true. It has now been over 4 months that I have not had access to my money. I have bills to pay and a baby to provide for. I am on the verge of suing the company for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

On XXXX XXXX there were unauthorized transactions made in 3 different locations.They were XXXX XXXX  New York , Ny XXXX, XXXX XXXX New York , Ny XXXX and XXXX XXXX XXXX New York XXXX XXXX I noticed my card was declined I called KeyBank customer service right away to see what they as the problem thats when I was told it was because of these charges.I then proceeded to tell them that was not me and they sent me to their fraud department and I opened a case and they said they would investigate.I still had my card with me so I was unsure how these transactions were made and so I waited for their response.I was then sent a letter by them that just said my case was closed and that I authorized these transactions.I immediately called and spoke to a fraud specialist and asked her what I could do to get my case reopened because I did not make these charges.She basically told me theres nothing I can do and I need to figure it out myself. I called them many times to get this problem solved and even went personally to the bank and they wouldnt help me figure something out or a way I can fight this.Now Im making a police report because they wont help me get back my {$2300.00} dollars that were stolen from me.
Product: Mortgage

XX/XX/2022 The amount approximately {$53000.00}. I strongly believe Select Portfolio Servicing , Inc. and investor discriminated against me for mortgage servicing - such as for Mortgage Assistance Program or loan modification based on my XXXX XXXX XXXX, and XXXX. They violates a federal consumer financial protection law. They has violated the right of law.
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 Experian the 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 a Student loans opened on XX/XX/year> under the account number XXXX, There are over 15 student loans with the same account number and different totals for each. Totaling over {$56000.00} with over 47 non payments but supposedly current. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

An unauthorized charge was made for a resort stay to my account. The bank temporarily issued a credit, then reversed it. The resort was paid for via a 3rd party and I was able to stay at the resort from XXXX XXXX XXXX, and only provided my debit card for authorization for security deposit. I was subsequently charged by the resort on XX/XX/2021 for the full resort stay, even though they were already paid for my stay by the 3rd party. I essentially paid for the stay two times, the bank did not rule on my favor despite detailed documents clearly showing the resort charge was unauthorized. They refuse to acknowledge my appeal or make any updates on the investigation and I have been requesting my money back for 6 months.
Product: Credit reporting

I have recently requested a copy of my credit report. I noticed credit inquiries in my file which were removed and now have been reinserted without the 5 day notification which is law according to the FCRA. I contacted the creditors via mail no response so I am looking for the law to be enforced and these inquiries re-removed as it is affecting my credit score.
Product: Mortgage

I own a home in Virginia, and recently suffered a loss ( XXXX XXXX ) due to an electrical surge. My heat pump was damaged. The electric company admitted the problem and fixed the power line. I had a contractor replace the entire unit. My insurance company, XXXX, quickly sent me a reimbursement check made out to me, and Wells Fargo. I endorsed and sent the check to them, and they verified receipt on XX/XX/XXXX. It is now XX/XX/XXXX, and they refuse to release the funds to me. They have sent me approximately XXXX pages of documents, and I have mailed and emailed them approximately XXXX pages back. Every time I call them it is like a " comedy of errors. '' They keep asking for the same things, and they even directly contacted my insurance company, XXXX, twice. None of the documentation seems to satisfy them, and I have called at least 15 times. I have paid on time every month since I started this mortgage, and often pay extra towards principal. I do n't understand how they can hold my money, and give me the run-around when the insurance paid so quickly. The loss is relatively simple, a heat pump. Can you please explain why it is OK for a mortgage company to take a check and just hold it for over a month? I already have been damaged, and the mortgage company just makes it worse.
Product: Vehicle loan or lease

I've become 2 months behind through no fault of my own. 
Before a computer error interrupted my on time payments. 
I called One Main with hopes I could. 
A ) get my monthly payment reduced B ) due date changed to the XXXX of each month. 
Instead I get threatened with repossession and a demand for XXXX payment. 
The vehicle is almost XXXX XXXX XXXX and it has XXXX miles. 
The total I am paying with interest is XXXX which I believe is kinda high.
Product: Student loan

My students loans are with XXXX. 
I attendedXXXX XXXX University. 
This company is not friendly, and I pay monthly butmy loans continue to go updue to the interest rate. 
They do not have anysolutions to help meand my situation.
Product: Credit reporting or other personal consumer reports

My credit report have charged-off accounts reporting a balance and no 1099-C was not issued by these creditors, which is a violation of IRS regulations and FCRA laws.
Product: Mortgage

Around XX/XX/XXXXI set up a new account for my loan that was transferred to Newrez LLC ( c/o SHELLPOINT LLC ).

Around XX/XX/XXXX, my loan was transferred to Newrez LLC from XXXX. I was not able to log into my account to pay for the XXXX payment. I requested this be escalated to Information Technology for resolution. 
Due to the difficulties, I made a payment by phone using the automated voice system. 

Weeks later, I was still not able to log in, and requested again that this be re-submitted for resolution. I was not contacted and the issues persisted. 

On XX/XX/XXXX, I decided to mail in my payment ( due XX/XX/XXXX ). This payment did not post until XX/XX/XXXX, one day late. I felt the payment was mailed with ample time.

I did not want to use the pay by phone system.

On XX/XX/XXXX I mailed the payment in for XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX I received notice that they have not received my payment. I checked my online bank statement, and it the check had not cleared. At this point, I used the pay by phone system and submitted a payment for XXXX. I did not get any receipt for this payment. 

On XX/XX/XXXX I checked my bank balance and the mailed check has cleared. There is no record of the payment I made by phone. 

I feel that there is a problem with the payment processing at SHELLPOINT LLC including mail, phone, and other areas not yet explored, like the online payments I am planning in the future.
Product: Consumer Loan

I have received calls daily from Hyundai/Kia financing. I have never purchased either of those vehicles, nor financed through them. I called them XXXX, to straighten everything out, and was told I would n't receive any more calls. I received a call on XXXX. I feel they are trying to harass to collect a debt, however they are calling the wrong person.
Product: Credit card

When I continue to report this Consumer Protection Bureau says its a duplicate. It is NOT. Its been a month and PayPal Credit, after staying on them, did report the correct balance but they won't show it as being closed account. 

XXXX will not allow me to go online and dispute it as well. Please use this letter attached and show the account as closed PayPal credit and XXXX and other bureaus!!!!! 


XXXX Credit usage 35 % Balance {$2200.00} Balance updated XX/XX/XXXX Credit limit {$6400.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Highest balance {$7600.00} Monthly payment {$90.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, y
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Few A Few Inquiries That I Dont Recognize And I Need Help Taking Them Off My Credit
Product: Credit reporting or other personal consumer reports

XXXX. I recently looked at a copy of 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 XXXX XXXX / Accounting number : XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a number of disputes letting Equifax know that i can not see my credit report, and scores. This is due to it being frozen, or something to do with fraud ; but either way I did NOT request this. From my understanding, and in order to freeze your report, you need to request this. Again, this has NOT happened and I am in the process of being approved for a home, and i can't get my Equifax credit report anywhere. I have tried with XXXX and others, but nothing. 

Fix this please please please. I beg you. 

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

XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.