23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had a XXXX  day late payment reported from XXXX XXXX that is now reflecting on my credit report. The XXXX day late payment was reported to XXXX on XX/XX/XXXX, TranUnion on XX/XX/XXXX, and XXXX on XX/XX/XXXX. The XXXX day late payment is being reported for the month of XXXX on my credit report. 

According to information on the XXXX website regarding credit reporting, please see the following : " How is my loan reported to the credit bureaus? 

Account status is reported to the credit bureaus as of XXXX XXXX ( XXXX ) on the last business day of the month. All phone and web payments must be authorized before XXXX XXXX ( XXXX ) on the last business day of the month to avoid possible negative credit reporting. Some exclusions may apply for California residents. A derogatory mark is reported depending on delinquency standards of the loan program. '' As mentioned my account was reported on XX/XX/XXXX to XXXX, to TranUnion on XX/XX/XXXX, and to XXXX on XX/XX/XXXX as XXXX days late but per the above policy the last report to the bureau 's should have been made on XX/XX/XXXX at which point my account was NOT XXXX days past due and once again if reported on XX/XX/XXXX as outlined in their own policy you will see that my account will NOT be XXXX days past due. This was an improper late payment report as outlined by the parameters in their own policies. At no point was my account XXXX or more days past due at the time of credit reporting ( last business day of the month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditors & bureaus 50 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.
Product: Student loan

Edfinancial does not have weekend hours to accommodate borrowers. I contacted Edfinacial on XX/XX/XXXX regarding a student loan that qualified for PSLF and had been serviced by XXXX. 
I submitted a paper loan consolidation on XX/XX/XXXX to complete my double consolidation process thus my resulting loan has not directly received a parent plus loan. My paper loan was to complete the consolidation to qualify before XX/XX/XXXX for the one-time IDR waiver/correction to take place. 
In summary, my loan should not be with Edfinacial. On XXXX I spoke with XXXX representative for Edfinacial. XXXX assured me I would be placed in forbearance while my loan was pushed back to Mohela as it is a PSLF loan. XXXX placed me on hold several times while he spoke with a supervisor. I hoped XXXX was correct. I logged on to Edfiancial portal I had just created. I had been paying XXXX. My current loan started in XXXX of XXXX. The consolidation loan with Edfinacial was also set as a new XXXX loan starting XX/XX/XXXX and ending when I would be XXXX ( If I lived ) in XXXX. My loans should be forgiven at this point with the IDR waiver when applied post-consolidation. 
When I saw this loan had an additional principal of {$170000.00} My new payment is {$3700.00}. My plan under XXXX was {$680.00} per month. I could never make the payment Edfiancial set nor should they be my servicer. 
I called Edfinancial on XX/XX/XXXX and spoke with XXXX at Edfinacial. I asked XXXX if my call was recorded. She verified the call was recorded. I explained all of the above to XXXX. XXXX misrepresented PSLF to me. XXXX told me it did not matter if my payment was not paid as " they do not report to credit agencies ''. I asked XXXX to escalate me to a supervisor or escalation team. XXXX put me on hold. XXXX returned telling me they put me on a " level '' plan. I explained I qualify for the IDR plan. I have my paper application ready to send. However, I am scared to death to do anything. 
XXXX intimated I did not qualify for XXXX???? I reiterated the above. I informed XXXX my Edfinancial inbox holds the forms I submitted should be there showing I am in the PSLF program. XXXX was not willing to nor informed about PSLF, my account, forbearance etc. She would not connect me with a supervisor. I am accruing interest on a loan Edfinacial should not hold. I never requested Edfinacial. I should be with XXXX. Edfinancial rep XXXX and XXXX placed me on hold multiple times to seek information. I believe both were ill-informed. 
Today I opened a letter saying my payment starts on XX/XX/XXXX. My account online states my payments start XX/XX/XXXX. I am not placed in forbearance. Edfinacial representative I spoke with has not considered my waiver nor communicated in any matter with me- the consumer to ameliorate a loan close to forgiveness- rather create a new XXXX loan to benefit XXXX. I was disconnected or dropped from my next call with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide.

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 - ATTEMPTED TO TRANSFER FUNDS 6 TIMES FROM PNC BANK TO XXXX XXXX XXXX TO PURCHASE AN INTEREST BEARIING CD EACH TIME I RECEIVED A MESSAGE THAT THERE WAS A SOFTWARE ISSUE AND THEY DID NOT HAVE AN XXXX FOR WHEN IT WOULD BE RESOLVED XX/XX/2023 - WENT TO XXXX XXXX XXXX AND WROTE A CHECK RESULTING IN A .4 % LOSS IN RETURN
Product: Debt collection

I have a credit report that says that I owe XXXX to concord service, I dont owe any money and I try to call to the number that appears on my credit report and no one answers only rings
Product: Prepaid card

Not sure what category it falls under, but I am a Rush card holder and has not had access to the remaining money on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I SENT TRANSUNION A LETTER REQUESTING THE INACCURATE ITEMS BE DELETED FROM MY CREDIT REPORT AND I HAVEN'T HEARD FROM THEM CONCERNING THIS INVESTIGATION .THIS IS CAUSING ME HARM AND XXXX AND I WILL LIKE FOR IT TO BE DESOLVED. I HAVE ATTACH A COPY OF THE LETTER FOR YOUR REFERENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ XXXX5U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Mortgage

MISCONDUCT IN MORTGAGE SERVICING. Recap of attached letter : On XXXX XXXX, XXXX -- less than ten days after receiving the XXXX payment on a current mortgage with no lates in over ten years -- Ocwen defaulted my mortgage ( loan balance of {$280000.00} / original loan {$480000.00} ) for " insufficient funds '' of {$10.00}. Ocwen sent back the valid un-canceled check dated XXXX XXXX, XXXX ( which it received XXXX XXXX, XXXX ) in the amount of {$2100.00} ( principal and interest of {$2000.00} + {$110.00} late fees ) by taping the check to a letter which falsely stated that a " Notice of Default '' was previously sent -- it was not. This letter crossed in the mail with borrower 's XXXX XXXX, XXXX payment of {$2000.00}, which Ocwen has not credited to the account. Presumably Ocwen will return this check which it received prioir to XXXX XXXX, XXXX as " insufficient funds '' by claiming additional unauthorized late fees and continue the default -- a moving target XXXX. Loan has never been delinquent since XXXX XXXX. Paid to date over {$260000.00} to date in principal and interest. Ocwen falsely represents that the XXXX payment was " denied by the financial instituion '' which is categorically a lie as it was never presented to the issuing bank. Ocwen now demands only certified payments and threatens foreclosure. Most likely will try to extort that I escrow my insurance ( also up to date and paid independently and property taxes also up to date never late in 23 years ). Also guessing that Ocwen falsely reported the default to the XXXX credit bureaus. SHUT THESE CROOKS DOWN.
Product: Credit reporting

A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.
Product: Mortgage

FORECLOSURE FRAUD against our HOME - PLEASE HELP INTERVENE!!! 

Nationstar Mortgage LLC - the subject of XXXX ' Foreclosure Fraud Complaint with CFPB, recent file # XXXX submitted in XXXX XXXX, now proceeds to cause a Notice of Trustee Sale to be recorded against the XXXX 's home on XXXX ... based on.. 

FORGED Foreclosure INSTRUMENTs ... and based on an UNLAWFUL Notice of Default -- DEFAULTED Debt Validation Request ( attached ), False Servicer Declaration, as explained in referenced Complaint File, False " current owner of Debt '',, and FALSE Trustee Quality Loan Service Corp who recorded the NOD and NOTS -- with claims that are based on a FORGED Substitution of Trustee ( CFPB File XXXX ) ... 

This all started with Nationstar 's FALSE CLaim as Assignee, with its " self-executing and manufactured assignment instrument '' which it caused to be recorded XXXX XXXX ... purportedly from original lender Homecomings ( via MERS ) -- which could NOT BE POSSIBLE because Homecomings filed for Ch XXXX bankruptcy in XXXX XXXX, hence no asset to transfer to Nationstar in XXXX. XXXX XXXX. Sections XXXX, XXXX, reference : XXXX XXXX XXXX XXXX XXXX, case # XXXX, XXXX Bankruptcy Court, XXXX XXXX XXXX New York. 

With only FORGED INSTRUMENTS, and NO PROOF as required by the foreclosure laws in XXXX XXXX XXXX XXXX - we appeal to CFPB 's authority to HELP STOP this ILLEGAL TAKING AWAY of Our home. 

Thank you for your URGENT HELP!
Product: Mortgage

My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX, XXXX XXXX XXXX, XXXX. for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the Reinstatement & Payoff quote from XXXX, XXXX XXXX XXXX, LLP. After reviewing the payoff quote provided by XXXX, XXXX XXXX XXXX, XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending escrow expense is unexplained and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Property Inspections $ XXXXProperty Preservation $ XXXXEscrow Advances $ XXXXPrior Service Fees and Costs ( Paid by Servicer ) $ XXXX Firm FC Fees ( Paid by Servicer ) $ XXXX Firm Recording Costs ( Paid by Servicer ) $ XXXX Firm Publication Costs ( Paid by Servicer ) $ XXXX Costs $ XXXX Trace $ XXXX Attorney Fees $ XXXX Fee - Civil Litigation $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX XXXX case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed for an income-driven repayment plan in XX/XX/XXXX. Fedloanservicing stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified Fedloanservicing that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by Fedloanservicing in XX/XX/XXXX. 

In XXXX, I called Fedloanservicing to remedy the situation. Fedloanservicing refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Product: Student loan

I would like to register a complaint about Nelnet to protest most strongly and urgently the procedure Nelnet used to acquire my personal information and bank informations through, what I believe must be a third party. I am continuously having issue with identity fraud and to find out Nelnet has my personal bank information without my consent on their website database, is very disturbing. I believe this type of practice should be illegal and it a violating my privacy. This is unethical how they proceed to collect costumers personal information and sell it to other companies, without informing the consumer. I would like this issue to be investigated and verify if the way they got my account and personal information was kosher and through standard practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times in writing within the past 4 months including phone calls to remove names from the Credit Profile attached to the social security # ending in XXXX and they have not removed them as of XX/XX/XXXX. 

The following names must be removed immediately as they are not mine or I have not given explicit written permission for any person, natural or otherwise, to use them. 

XXXX XXXX XXXX Name ID # XXXX I do not use my name in this manner XXXX XXXX XXXX Name ID # XXXX This is not me!!! 

XXXX XXXX Name ID # XXXX This is a wrong iteration of the name, which is in proper use in the credit profile. 

Please remove these addresses as they are incorrect and I have never lived at these addresses and/or they are no longer associated with me : XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family old address from 30 years ago ... remove immediately! 

Please remove these phone # 's as they are not associated with i ; the man, XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX the XXXX Privacy Act I have the right to correct any records associated with my information ( property ). 

The following names must be removed immediately or Experian can pay me $ XXXX since the inception of using these false, fictitious, misleading names, according to 18 U.S. Code 1001 - Statements or entries generally, 18 U.S. Code 1341 - Frauds and swindles. 

please correct this immediately!
Product: Checking or savings account

I opened a checking account with Suntrust on XX/XX/XXXX and at the time of opening opted out of the overdraft protection that charges {$36.00} for covering transactions when the account is out of funds. I called Suntrust on XX/XX/XXXX inquiring on multiple overdraft charges in my account and the representative explained to me that even though I opted out electronic transactions will still go through at the discretion of the bank and they will be paid. That been said the representative did offer a refund but it turns out she could only refund me 1 out of 13 charges, she told me the system only allows her to process one refund. I asked her why didn't she submitted a refund for the full total and not just one charge and she never provided me with an explanation. When asked for a supervisor the representative told me the supervisor has given her the same instructions. I requested the name of the supervisor and she told me the company policy does not allows her to provide me with that name.
Product: Credit card

After I closed the account and agreed to pay off balance, I received a statement with unagreed fees not {$41.00} monthly late fees and {$6.00} service fees even though the account was closed. I demanded that these be taken off to a " XXXX '' who stated that he " would work on it '' only after a threatened a complaint to you. Tota Visa. I paid on the due date.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equitax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS BREACHED AND LEAKED VIA EQUIFAX DATA BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft happen to me and called the credit card company and sent a written statement per there request. With that I also had the case number from filing a complaint with the Rhode Island State Police. This issue is still not updated on my credit report and I would like the derogatory remarks and card removed without any issues. This company is the worst to deal with, they never listened. Not only am I unable To obtain and sort of credit, it has made my XXXX XXXX worse, due to the stress. Im attaching the Rhode Island State Pokice report. I want this item resolved asap. I have waited for months. It shouldnt take More than 1 week. Ive had enough, I will have to obtain a lawyer if this doesn't get resolved ASAP. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX I AM FILING AN FTC REPORT FOR ACCOUNTS APPEARING ON MY CONSUMER CREDIT REPORT.THAT I DO NOT RECOGNIZE AS A RESULT OF IDENTITY THEFT. 
THESE ACCOUNTS CONSIST OF VARIOUS TYPES OF CREDIT ACCOUNTS FROM XXXX TO XXXX. I DEMAND THE INACCURATE REPORTING OF THESE ITEMS BE BLOCKED AND REMOVED FROM MY CREDIT REPORT PURSUANT TO MY RIGHTS WITH THE FCRA AND FDCPA LAWS. ( see attached list of accounts ) PURSUANT TO FCRA SECTION 605B ( 15 USC 1681c-2 ) I request that your credit reporting agency block and remove information on my consumer credit report that is a result of identity theft within 4 days of receiving this request. 

I do not recognize the list of accounts, inquiries, names and addresses on the attached list of disputed accounts. I have attached a copy of the FTC report that I filed in relation to the disputed accounts.