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

I have sent police reports and identity theft affadavit to Transunion due to severe identity theft and fraud of my personal information. Transunion has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, to name A FEW. 

When I spoke with Transunion they stated that they would like for me to provide a 2nd police report about identity theft, despite my having proof they received the police report. They have placed a fraud alert on my file but continue to allow fraudulent request to be processed. When I spoke with another representative they stated I must send letters to all 40+ creditors and request that they remove the inquiry. However, I did not authorize the inquiry nor should I be repsonsible for this activity when they are fully aware of the fraud since last year. ( XXXX ) This issue is damaging my ability to work, obtain credit and provide a truthful file to your clients who purchase credit files for decision making purposes. Please correct this issue.
Product: Mortgage

We have a mortgage with Flat Branch Home Loans ( underwritten by Fannie Mae ). We were close to 20 % equity and wanted to see about ending the PMI charges. We called Flat Branch and they said they would have to check with Fannie Mae. Weeks went by with no response so I called again and they said, you're still a bit over 80 % so you can pay $ XXXX to get over the threshold and then you can ask to end the PMI again. 
I sent {$2200.00} which was credited to the principal on XX/XX/17. 
I called again about ending the PMI charges and was told again that they would submit it to Fannie Mae. Weeks went by again. I finally got an email from Flat Branch on XX/XX/17 saying that NOW we need to be over 22 % equity and I have to send another $ XXXX and MAYBE they will stop charging PMI. 
We have excellent credit, have never had a late or missed payment on the mortgage or anything else. There is no reason to keep changing the target and asking for more money just to end the PMI charges, which exist to mitigate risk on low-equity loans. This is both deceptive and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy ( BK ) listed on my credit report. It may belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the three bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the BK was " verified as accurate ''. XXXX stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed BK in compliance with the Fair Credit reporting Act ( attached ). This proves that XXXX did not verify through XXXX. XXXX stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that XXXX listed and they stated they did not report it nor did they verify it as accurate. TransUnion stated they verified it as accurate and provided no further information. TransUnion also states on its website that it verifies BK using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed
Product: Debt collection

Penn Credit continues to call not only my cell phone BUT also my work Phone several times a day. I have asked them to stop and they still continue! 

I have nothing owed as I have had attorneys who have worked with two companies in that past yet random dept collectors still try to call for the same thing that has been taken care of 2 years ago! 

This needs to stop!
Product: Debt collection

CREDIT SYSTEMS INTL IN  XXXX This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Student loan

Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

I'm experiencing a serious issue with Mohela XXXX XXXX XXXX. Since the XXXX loan repayment began in XX/XX/year>, I have been consistently making on-time payments ( as seen in bank statements ). 

My MOHELA account fully transitioned to the new platform on XX/XX/XXXX. The only payments on my account history are the XXXX from me in the last XXXX months. None of my previous payments have been posted to my account, even though my bank statements clearly show that I paid. All payments before XX/XX/year> have not been posted either, claiming my principal balance is {$8000.00} when it should be well below that. 

I have reached out to Mohela 's customer service multiple times but have not received a satisfactory resolution. They claim 30 days, then 60 days, then nothing. The lack of transparency and communication is incredibly frustrating. This is not just an isolated incident ; many other borrowers are experiencing the same problem. We are all worried about the potential negative impact on our loans and finances. Some borrowers have made $ XXXX payments and haven't seen their payments posted since XX/XX/year>. 

In addition, their payment schedule posting is never on time. Their emails are often weeks delayed claiming missed payments when I pay XXXX weeks ahead of time.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 

XXXX XXXXXXXX BALANCED {$18000.00}
Product: Credit reporting or other personal consumer reports

I want all three of these red flags removed from my account. I do not have no personal loans and I am flagged for a personal loan on the experience app. I have no personal loans. I have no mortgage loan removed this inaccurate information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I was a victim of the XXXX  Equifax data breach, and have had someone hack my bank account information as well. I also have a collections account from a fraudulent car lot/loan company, who sold me a bad vehicle that I gave to a friend, who did not properly sign paperwork or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the company.
Product: Debt collection

XX/XX/2022 Lockhart Morris and Montgomery based out of Texas Contacted me I recognize the number as numerous phone calls with no voicemails left over the previous weeks I answered they stated who they were and proceeded to give me information personal information about myself prior to verifying 100 % who I was I notified them that I did not at all condone or sign any paperwork allowing them to have my personal information E.G. social security number and such, also notified the individual on the phone they have been calling me and not leaving voicemails which is phone harassment in the State of Florida numerous phone calls per day or per week I did offer an amount that I could afford to settle the debt she scuffed at me and told me that she would not even attempt to submit and told me what amount I would have to pay no matter what upon telling her financial situation not giving her details but I could not afford that she said they would not agree to any of that and they gave me a set amount that is mandatory to pay, I told her if she's refusing to attempt to submit any kind of settlement then she needs to no longer contact me I have received numerous phone calls since she did inform me that apparently they know the laws and they are not breaking them according to the State of Florida statutes one phone call with no voicemail or no call back number or no identification of who is calling is actually registered and can be filed under phone harassment. Her unwillingness to try and settle is telling me that they are trying to force my hand at paying something that I can not afford and upon asking them to no longer contact me the numerous phone calls I have received since totals up to about XXXX after I notified them do not contact me because they did not want to settle they have continued to do so and as of XX/XX/XXXX they decided to add it to my credit report to try and hurt my credit after during the phone call I told them it does not need to be reported on my credit because they are refusing to settle and they are harassing me they have done so to try and tarnish my credit they waited 30 days after I told them do not contact me continue to contact me and now they're reporting it to my credit to hurt me this is harassment and bullying.
Product: Checking or savings account

I have tried multiple times this year to open a virtual wallet account both online and in the branch to no avail. I was told I had a previous account that I needed to pay off, and have done so nearly a year ago and yet I still can not open an account and no one know tell me why, I have pulled the credit report agency they use and there is no negative information listed.
Product: Student loan

I'm part of a BDTR ( Borrower defense to repayment claim ) for the XXXX XXXX. Which was won and approved. My loans however have not been cancelled and refunded. I was told to come on here and ask for a " Navient School Misconduct discharge application '' since Navient seems to be dragging its feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}
Product: Debt collection

On XXXX XXXX I made a payment to US bank towards my boat loan in the amount of {$240.00}, however I made the mistake and paid it towards principle. I got a call XX/XX/2020 that I owed {$470.00} toward my payment. So I made that payment of {$470.00}. I also called to have the payment of {$240.00} applied to my monthly payment instead of principle so I could get ahead on payments. They told me they would do that and waived the late fee of {$25.00}. I spoke with a women name XXXX in the collection department that said she would make the {$240.00} as a monthly payment. I did this so I wouldn't owe anything and the collection department would not call me. However XXXX did make the transaction for {$240.00} towards my monthly payment, but also reverse my payment of {$470.00}. So on XX/XX/2020 the collection department starts to call my place of employment asking for another payment because my loan has not been paid on time and my account was in collection. Now I have spoke with XXXX employee ID XXXX and he said that he does not know when my money will be refunded or where it happen to go and can not give me a definite time line on when my account will be brought to current and paid in full loan or get my reverse payment back. So I have spent {$710.00} into this loan and they still have it as I owe money and are calling my place of employment. I have not received the refund that they said was reversed nor have I seen the {$240.00} that they said would apply towards my monthly payment. I can not get any committed answers from the bank. Also when I call and say can I talk to a supervisor they either say I am a Sr banker and I am the supervisor or they transfer me to another person that is not the supervisor. I am currently 15 days late and do not want this to go on my credit report because I am buying a house XX/XX/XXXX and I do not want to lose the loan for this house due to the lack of professionalism that I have experienced with this US bank.
Product: Credit card or prepaid card

I was working for an elderly couple doing on XXXX XXXX for 18 months .About six months into my employment they were making payments on my credit card in lieu of cash payments on occasions. They agreed to pay for a school I was attending. They asked that I pay for school on my credit card and they would make the payments on my card. This transpired for 14 months. At that point some family members stepped in convinced grandfather to fire me from job. Then family told his bank that all payments made on my credit cards were unauthorized and the ank took back zapproximately {$12000.00} worth of payments on my cards. Do I have any recoarse?
Product: Credit card or prepaid card

I placed an order for car rental reservation on XXXX  for dates XX/XX/2022 through XXXX, XXXX XXXX. The vendor is XXXX. The total amount of the reservation is {$630.00}. 
While renting the car, this was the amount that I was told and by local XXXX that I will be billed. However, after returning back home to the US, I found that I was charged {$1000.00}, without any reason ( there are no extra charges for fuel, damage, late return etc. - the base amount is simply {$1000.00}, instead of {$630.00}. 

I filed a dispute with Capital One, and after a few weeks received a reply ( see attached ) that the vendor reject my dispute, attaching some documents that support, to their view, the {$1000.00} charge. 

I then replied Capital One ( fax sent on XX/XX/2022 - attached ), explaining that the vendor " supporting documents '' are simply internal records from their systems, without any evidence that I approved this charge, nor even was aware of it. 

I received a reply to this letter that the timeframe to handle a dispute has past, and therefore they are not able to address this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX FST XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

COLLECTOR IS IN VIOLATION OF FCRA, FDCPA, TCPA LAWS FRONTIER COM IS IN VIOLATION OF F.A.C.T.A.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. 


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

I have requested verification of a loan reflected on my credit report by ACS. The dispute results come back verified, but the letter sent from ACS states " We have received the material requesting to validate your debt. Unfortunately, Conduent Education Services does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact ACS/XXXX.
Product: Student loan

XXXX  report XXXX loans 90 days late. They have been closed due to consolidation that said they were never late. The company is now defunct, and there is a lawsuit that I believe consumer finance is helping with that said this has been very detrimental on my credit report. I tried to contact the Old XXXX  and they are no longer open. I tried to submit a correction form and they never obliged and then I contacted Aidvantage who now holds my loans and they said they cant do anything and XXXX  said to contact them so its a whole circle back and forth no resolution or progress. Aidvantage said they cant do anything because they didnt hold the loans at the time Navient said they no longer have the files. However when they did they never corrected this error, but it is affected my credit score negatively over XXXX points and I dont know when it will be removed if ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I have attempted to resolve issues with XXXX, Equifax and XXXX for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.
Product: Credit card or prepaid card

TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.
Product: Credit card or prepaid card

They sent a new card never got my stimulous payment. Never settled the claim. Continue to send fake cards in the mail.
Product: Credit card or prepaid card

They temporarily suspended my account and said call customer support to reactivate I have tried numerous times to get ahold of them every time I call I wait on the phone for XXXX then it just hangs up on me meanwhile Im stuck at a gas station unable to put fuel in my car
Product: Student loan

Ive been attempting to pay my loans for the last several months but every time Ive made a payment it will process and say accepted for 2 or 3 days then it will say payment reversal. Ive attempted to contact customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to make some XXXX payments and dont know what I have to do. I need help bad because now Im paying with interest but the reason Ive been paying early was to not pay interest