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

I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a Prosper Marketplace Loan. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to XXXX monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.
Product: Credit reporting or other personal consumer reports

This account is consistently reporting a balance that's not correct, they closed the account and opened up another account number and extended me credit in that account, but kept the balance of the old account, also, the balance is not reporting correctly and is steady increasing despite payments being made. XXXX is not doing well by me and this account is killing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove a dismissed bankruptcy from my credit report.The following sections of the FCRA .1681c mentions nothing relating to bankruptcy dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore transunion has no right to maintain this information. 

Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, transunion must delete this information from my credit report.

( See attached letter I sent to Transunion )
Product: Credit reporting

My dob has been incorrect for many years and has not be corrected eventhough I have provided verification.
Product: Credit card or prepaid card

I have been separated from my husband since 2018. I had to renovate an apartment for my young son and I with no financial aid from my husband. I have been using the Lowes credit services. I have not missed a payment for a year. The company applied all payments to the balance and not deferred interest. Therefore when the deferred interest hit, it took my payments from {$50.00} to {$300.00} a month. As a single mom working for a XXXX XXXX, I can not afford these payments. My husband refuses to help and is dragging out the divorce I filed for 2 years ago. Lowes refuses to assist me in a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *
Product: Mortgage

I am a victim of XXXX XXXX which occurred early this year, I am a XXXX XXXX XXXXr and after my XXXX I was unable to work due to injuries. I have tried to work with Select Portfolio Servicing and was given a repayment of {$7800.00} a month for 6 monthd. I can not afford this cost, i appealed the decision and was told that XXXX XXXX XXXX would need to allow any other modifications. I have not been able to find any contact info on this investor and now my home is on the verge of foreclosure. I have applied for help with Texas XXXX XXXX however the turn around time is significantly long. I really need some kind of help please.
Product: Student loan

I went to XXXX University for XXXX. The advisor said she was not going to pass me regardless of my grades. I then left that school and they kept putting loans in my name. Now I have almost 100,000 debt with Wellsfargo and XXXX XXXX. Wells fargo or XXXX XXXX will work with me on lowering the payments. Wellsfargo has already put negative information in my credit file so now I can not refinance my house or get another loan to consolidate them. To be quite frank I dont even know if these loans are mine???????? Wellsfargo calls me every couple of days and is really mean on the phone. I tell them my husband died so I am down to one income but they do not care. They want their MONEY. They think I am a bad person and is constantly threatening me by phone. I have tried for a year to work this out but they keep refusing. Here is an example. I just got paid XXXX and had to make a house payment of XXXX, I cant even pay my utilities. I currently have XXXX dollars left but still have to pay Water, Sewer, Electric, trash, and I have to go to a food pantry to try to squeeze enough money out to pay them. XXXX University is well known for failing students in their classes so they have to retake them and get paid again. This is Student Loan fraud and I should not have to pay these loans. That is what they did to me when they could not get any more loans out of me they told me that I failed and need to leave. I am so angry about this because they are a private XXXX university they are allowed to XXXX over anyone they please. Now I am faced with debt, possibly loosing my house, and trying to provide food for my family. I wished I had never gone there. As far as Wellsfargo they are worse, because they will call me constantly, then lock me out of my account so I have to call them just to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and Same XXXX  XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with XXXX  XXXX XXXX they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I had a check sent from proceeds from an equity loan to Discover personal loans in the amount of {$25000.00} this amount was sent based on a payoff quote given. The check was received by Discover on XX/XX/XXXX applied to my account on the XXXX according to my Discover app. and my loan showed paid off. On XX/XX/XXXX I logged into my app to find my payment was reversed. I have received no letter or communication that there was a problem with my payment that was applied XXXX business days earlier, I called Discover on XX/XX/XXXX to inquire why the payment was reversed, I was told the bank put a stop payment on the check, I reached out to the bank and confirmed that was not the case. I was then told they simply didn't know, then lastly they told me the check was rejected because the image was illegible and that the bank rejected it. I then asked for a copy of the check when I received the that it states that the item was rejected due to the image by XXXX XXXX XXXX which is Discovers bank, so there was a scanning issue with the check. I wired them the money to Discover XXXX and asked that they back date or honor my payoff as I feel like this was not my error or my banks error to warrant having to pay more money. They continue to tell me that I will need to pay more because the funds were not received in time for the payoff. Thats is not true and they received the funds on time and it was their error on why they rejected the check. when reviewing the check and the correspondence from XXXX they reversed the payment on XX/XX/XXXX. Again no communication was given for me to even try to correct this issue any sooner. I feel like if I hadn't called I would still be in the dark that my payment was reversed. I am not sure how a scanning error on Discovers part warrants me paying more money to them when this was not my doing. I was told I would be getting a call back on XX/XX/XXXX to discuss with a manager that has not happened as of the today the XXXX, I called in again today with again a promise of a call back hopefully XXXX mean time they are charging my account interest daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick of Experian and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on www.experian.com/upload website and call Experian to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to Experian address so that they can remove and block these fraudulent account. 

I do believe that Experian is lying and are not taken my fraudulent claim serious. I have been dealing with Experian regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities. 

Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that Experian is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4. XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}
Product: Credit reporting or other personal consumer reports

I have a XXXX credit builder credit card and about 3 months ago i checked my credit report and it was reporting i have a late payment with XXXX  of the amount of {$40.00} thats impossible cause i havent used the card in 3-6 months prior and you have to deposit money from your checking account to the credit building so you use your own money so you can never owe. So i called XXXX  2 months ago and i was told by customer service that the account was closed and i owe nothing and it was mistake and it will be fixed the next credit reporting cycle i waited a month after to see if it was fixed and nothings was fixed so i called again and i was told that in their system the account is closed and and current nothing owed and they do not believe so email a screen shot of the account off XXXX XXXX i did and they put me on hold for 3 hours once they knew i wasnt going to hang up they hung up on me.
Product: Credit reporting or other personal consumer reports

U.S. BANK has placed a charge-off on an old closed personal account that had a {$1000.00} line of overdraft protection on it, I closed the account and opened a business account the teller of the account never told me there was an overdraft of {$260.00} left on that old account that had to be paid. when I found out about the aledge debt I called U.S. BANK to dispute it also I disputed it with the three Credit Agencies but it came back as verified. I'm asking the CFPB to help me resolve this error on my credit report it is very damaging to my financial progress. According to the laws, a Financial Institution is not to share private information with a third party so I'm requesting to Opt-Out of this reporting on my Credit Report Per the FCRA as a Federally Protected Consumer I am now opting out of any and all Authorization I the Consumer may have given you Written Unwritten Verbal and Nonverbal Per 15 USC 6802 , also according to 15 U.S.C. should not be any damages on my Credit Report it is a defamation of my Character.
Product: Vehicle loan or lease

I got a car from them and it only worked for two weeks and failed to start and they could not fix it said I would need a whole new ignition sysytem and computer. I feel I was sold a lemon I am not paying to use a vehicle for two weeks.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX, I requested credit from XXXX XXXX, XXXXXXXX XXXX  I was granted credit through TDBank. The sofa I purchased had to be made, so I was not to pay for the sofa for months down the road. 
In XXXX  XXXX, the sofa was delivered to my home. Up to this point, I had not received any paperwork, credit card, invoice or anything from XXXX or TDBank. 
In XXXX I received notice through XXXX Credit Bureau that I had missed a payment to TD Bank more than 30 days. This dropped my XXXX XXXX by over XXXX points. 
I immediately called XXXX to find out how to contact TD Bank as I did not even have an account number or phone number for them. 
I called TDBank and talked with a very nice lady who told me they had the wrong address so the paperwork was never mailed to me. 
I paid what she stated I owed at that point ( {$310.00} ) which could not have been correct, but I paid it trying to fix this mess. She did refund a late payment fee. 
She did state that they had both home and cell numbers and email correct on our application. 
I asked about fixing the credit file, and she said it would have to be the Senior Credit XXXX, so I filled out their paperwork, and filed it with TD Bank. 
I received a letter from TD Bank last month and they will not remove the late notice on my credit file. 
I am refinancing my home now, and this will affect my payment by thousands of dollars over the period of XXXX years due to their mistake.
Product: Credit reporting or other personal consumer reports

Unfortunately, I am a victim of XXXX XXXX o Debt bondage. I have made the company aware of this that ther are multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )
Product: Mortgage

Requested forbearance and incurred over $ XXXX in additional money owed after ending forbearance. Never was informed that I would incur this additional cost, spoke to mortgage representative several times which indicated my balance owed would not change and that I would not be charged interest. It only appeared recently on my last mortgage statement. I still don't have a breakdown of how the $ XXXX was added onto my loan, calls go unreturned and representatives are informing me that I was not charged interest however can not explain the $ XXXX in additional charges. My mortgage balance was $ XXXX prior to forbearance and now has increased to $ XXXX without any explanation. 

On XX/XX/XXXX, I requested a forbearance from my mortgage company, Flagstar Bank due to unemployment/loss of income. My last regular mortgage payment was in XXXX that year, I was unable to make regular mortgage payments beginning in XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, I regained employment and contacted Flagstar to discuss options of ending my forbearance. During the entire period, I received regular letters from Flagstar indicating that I was on forbearance status. I continued to receive monthly statements indicating my principal balance XXXX $ XXXX as of XX/XX/XXXX ). My statement dated XX/XX/XXXX indicated a principal balance of $ XXXX. 

Flagstar letter dated XX/XX/XXXX states my loan is in forbearance and is a " time out '' with no indication of interests/charges accruing. Flagstar letter dated XX/XX/XXXX states approval for Payment Deferral, again with no indication of increased money owed. Called Flagstar several times to get clarity, discovered my payment accepting the payment deferral was never processed and received another letter dated XX/XX/XXXX of a new approval letter. Flagstar letter dated XX/XX/XXXX states Payment Deferral Agreement, states number of past due payments deferred is 11, past-due principal & interest amount owed is {$1900.00} XXXX which is my regular payment ), other past-due amount is {$0.00}, and total past-due amounts deferred is $ XXXX. Additionally, under FAQ 's What other amounts might I owe, letter further states that " there is no processing fee for this deferral, if there is already a principal forbearance amount due I will still be responsible..etc. There is no indication whatsoever on additional charges, let alone the $ XXXX that I unexpectedly saw on my most recent statement. During the entire nearly year long period, it was never communicated to me and when I talked to several Flagstar representatives, they did not inform me of this additional amount and further stated I would not be accruing interest. 

Overall, my principal balance was adjusted to $ XXXX with a subordinate lien of $ XXXX, totaling $ XXXX with no explanation, detailed breakdown, or communication of this change.
Product: Debt collection

The company has violating my right. Information on my credit report is in error. Please remove this item for my credit.
Product: Debt collection

I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with XXXX XXXX. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. 
At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''
Product: Credit reporting

We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about.
Product: Debt collection

COMENITYCAP/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Mortgage

I applied for an assumption through Bank of America ( BofA ), to remove a former spouse from my existing BofA mortgage. I completed the necessary paperwork to complete the assumption ; received a notification from BofA to submit an additional signed document ; sent it back to BofA through UPS tracking ( both times ) ; and waited for feedback from them regarding next steps. Within two weeks, I received a phone call from XXXX on XXXX XXXX at XXXX from a woman in their XXXX branch who notified me that BofA did n't have plans to move forward with my assumption because they were about to sell my mortgage to another lender. I asked the woman whether BofA would still move forward with terminating my application if I refinanced my mortgage with BofA instead of filing an assumption. She said, it would n't make a difference. I 'm certain that was a lie, because the very next day I received a package from BofA ( which was obviously already in the works ) updating me on the status of my assumption process ; which tells me, the company was moving forward with the application until an unethical employee contacted me from XXXX and tried to talk me out of the assumption. I completed the additional paperwork that was requested by BofA and mailed the paperwork the next day. However, on Fri., XX/XX/XXXX, my former spouse contacted me to tell me he 'd contacted BofA and they claimed that I had terminated my assumption application, which was not true. The woman who called me from XXXX did not present the decision to discontinue my assumption application as a choice. Instead, she stated it as a fact and as an update by her on the company 's behalf. Now, after contacting XXXXXXXXXXXX who notified my ex-husband that the process had been terminated and whom I made aware of the mystery call from XXXX, she wo n't acknowledge my emails and has made no attempt to investigate what happened to my assumption application. I will submit this same request with the Better Business Bureau as well. 

I believe that, had I refinanced with Bank of America, they would have made no attempt to cancel my assumption application. But, because my mortgage is an FHA loan that they 're not able to profit from, a representative of BofA terminated my assumption application on the basis of discrimination. 

Please feel free to contact me by email or phone. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/21 IRS sent a THIRD ECONOMIC IMPACT PAYMENT XXXX XXXX XXXX direct deposit {$2800.00} to J P MORGAN BANK ( XXXX ) XXXX Routing number XXXX Account number XXXX But, this is not our account. 
We notified IRS. IRS sent us a letter with a J P MORGAN BANK phone number, and told us to solve ourselves. 
We called J P MORGAN BANK, and they refuse to trace, also they told us called back to IRS.
Product: Debt collection

This is the first complaint against Resurgent/LVNV Funding reporting an alleged collection account against me on my credit. I am requesting debt verification, the Bill of Sale and assignment document reflecting the transfer to Resurgent/LVNV Funding. In the future if this matter becomes a legal matter, I will be requesting the original Purchase Agreement bearing my signature to this alleged debt. I looked up Resurgent/LVNV Funding on the XXXX  and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and XXXX to take a look at. Resurgent/LVNV Funding isn't licensed anywhere from where I can see to conduct business collecting in the State of Minnesota. It is my point of view that violations against the Fair Debt Collection Practices Act have been committed. If Resurgent/LVNV Funding doesn't want to pay monetary violations, I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.