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

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

Rocket Mortgage offered me a forbearance in XXXX under COVID Relief. I had no knowledge of the program until they informed me the loan was a VA loan and I eligible. They were aware I was a successor and Executive of the Estate as my sister passed in XX/XX/XXXX. They had approved me as a Successor in XXXX. They spoke with me every month from XXXX, approving me for continuance each month. They gave me a list of options prior to starting the forbearance. At the end I selected the rent being placed at the end of the mortgage. I use this time to make many repairs as I was using the home as a transitional home for XXXX Veterans. When I selected this option, they informed me that they had mistakenly approved me and demanded the 12 months payments in full. At that time it was approximately {$27000.00}, they refused payments demanding full payment and since that time they have tried to foreclosed and increased fees to {$54000.00}. They had the property appraised over 80 % of the value informed me I couldnt short sale because I had too much equity, which was false. I put the house on the market based on their false value from XXXX to XXXX, I couldnt sell its it was overpriced. After debating this appraisal, which no one ever visited to see the property, the sent out s second appraiser in XXXX. The house was only valued at & XXXX compared to their appraisal for {$480000.00}. I disputed the foreclosure in XXXX, but still being charged the fees. They said they would work with me after the second appraisal ; however, they had started the foreclosure and scheduled it for XX/XX/XXXX. Their predatory schemes has caused me pain and suffering. Their mistake will cost my sisters grandchildren to lose their legacy. When I call them, I am being misled snd misinformed. They should honor the agreement that was signed. They have been misleading, misrepresenting policy and unfair. I dont feel like I should lose the property based on their mistake.
Product: Credit card or prepaid card

I called citi bank in XXXX of 2018. I was told if I made a payment on the phone the amount would be automatically deducted from my debit card and applied to my balance. That didnt happen and I was forced to make the payment through the app as well. I needed to free up a certain balance on the card to make a payment. Turns out both transactions went through and it would have brought my debit card to below XXXX so one of them was declined. They came back and closed my account after I had spent over {$20000.00} in less than 12 months, never missed or had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and Transunion.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
Product: Mortgage

In XX/XX/XXXX I was behind {$4600.00} and received a statement. Planet Home Lending continued to accept our monthly payments as I had informed them of a year end bonus I could use to catch up on payments. I was still in chapter XXXX at this time and did not receive any more statements from planet home lending until after XX/XX/XXXX. In XX/XX/XXXX I converted the Chapter XXXX to a Chapter XXXX. At that time Planet home lending sent me a notice dated XX/XX/XXXX that I was now {$15000.00} behind in payments. I immediately called to try and understand what had caused the payment to jump so high. I was informed by Planet Home Lending they had found record of some " missing payments '' it was not and has not been disclosed if it is related to the chapter XXXX. At this time Planet Home Lending refused to accept our regular payment, demanding the {$15000.00} at one lump sum. When I entered into Chapter XXXX in XXXX the amount behind was {$8000.00}. I remained in Chapter XXXX until all of the debt was made current and then converted to Chapter XXXX in XX/XX/XXXX. I have cashier checks issued from my bank with mortgage account number and Planet Home Lending Printed on the check as receipts for all of the payments made to Planet Home Lending from XXXX to XXXX. Also I have the form 1098 for all years from XXXX to XXXX showing that the payments were made and received by Planet Home Lending. So far Planet Home Lending will not provide a transcript of payments to show what payments were made and which were not. I will be forced to file Chapter XXXX again to save my house, hopefully this will reveal some kind of record of what payments are in question. Finding missing payments does not seem like a rational explanation from Planet Home Lending.
Product: Credit reporting or other personal consumer reports

I have noticed a number of credit card and other debts being reported twice on my consumer credit reports. 

There are accounts such as XXXX XXXX  purchased a number of credit card accounts that is being reported by XXXX XXXX and the credit card company such as XXXX XXXX for example. 

Portfolio Recovery is collecting or purchased debt from XXXX XXXX  so why is these accounts being reported by the Debt Collector or New Owner and the Original creditor? 

Is that fair credit reporting to report accounts in collections twice?
Product: Student loan

I started with Nelnet in XXXX after being transferred from Great Lakes, got a welcome letter and promptly setup my account, added my current primary bank account ( which was different then what i had with Great Lakes ) and setup auto pay. For the first two months things were fine. Then suddenly on month 3 my bank account reverted to my old one. I get a notice from my old bank that I had overdrafted my account. I also made my payment early from auto pay as well so I was double charged as well. I corrected the overdraft then investigated my account at Nelnet and found my account changed without my consent to my old one. I never provided Nelnet my old bank account info and when I initially signed up it was not present on my account. I tried to reach their customer service line to be met with a 2 hour wait time, I waited the 2 hours to be hung up on without speaking to anyone. I tried emailing them requesting what happened to be met with an email that states they wouldn't respond to my email. 

For the federal government to move all our federal accounts to nelnet while nelnet has improper staffing to field questions from people who are required to pay back these loans is gross negligence. I am afraid to make any changes because of how difficult it is to even get ahold of anyone at my loan service provider for my federal student loan.
Product: Money transfer, virtual currency, or money service

In XXXX, I was coerced to wire transfer money from my Chase Business account to help another business with a promise that once the project was finished, I would receive my money with interest, It was a scam, I contacted Chase and filed a complaint and also went to a local bank. I was advised that Chase had an ongoing investigation to help me recover my money. {$5500.00} and {$20000.00}. 
I have not received any funds back into my account and it is closed. 
I have filed a complaint against the business and the Federal Trade Commission was made aware but I would like to complain about Chase bank lack of concern in recovering my funds. As quickly as they were to release my funds, they should have helped me to recover. I rely on XXXX XXXX and long-term XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing on credit reports
Product: Mortgage

I wrote and called and contacted Dovenmuehle on XX/XX/XXXX and to date, have received no response. At that time, the agent on the phone state they had not received my payment and that I would be assessed a late fee and credit report if I did not make a payment that day, even though my payment had processed on XX/XX/XXXX. She said I should make the payment and then it could be straightened out later. It is six weeks later, and Dovenmuehle still has not " straightened it out '' and my additional payments are not anywhere to be found applied to the principal nor that a payment should not be due until a later date. They have not responded to two emails, and when I call, I am told to write an email! So, I have had -0- response and am paid ahead by {$1000.00}. Dovenmeuehle does show all of the payments but does not show that they have been actually applied to MY MORTGAGE. Furthermore, they have he address of my property INCORRECT and they have not responded, nor corrected the address to reflect : XXXX XXXX XXXX- instead, it shows as XXXX XXXX. I have asked them to correct this three times, again- no response and no changes. 

Payments were made on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX as a direct result of your agent stating no payments had been received and I was past due for the full amount. 

XXXX XXXX This is a total of {$2700.00}. I am paid ahead XXXX Where are these payments?? Your amounts do not match nor has it been applied to my principal, nor does it state that XXXX amount is due. this is ridiculous that have had -0- response in six weeks. 

FIX MY BALANCE AND STATEMENT
Product: Payday loan, title loan, or personal loan

The above named account t had been brought current, or paid up to date on XX/XX/XXXX. They never reported my payment to the account, nor to the credit bureaus. They are purposely ruining peoples lives by repeatedly ignoring federal and state laws protecting us from such actions. They are furnishing inaccurate. Invalidated to all XXXX credit bureaus including XXXX, XXXX, and XXXX. My car is not in reposession, and I demand that it be removed as soon as possible as its is a violation of 15 usc 1692g. This also constitutes fraud amongst other federal and state violations for abuse of credit reporting etc. Congress created these laws to protect consumers. Can you guys protect me? Or are they above the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a correspondence from Dynamic Recovery Solutions dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of XXXX XXXX XXXX. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with XXXX XXXX XXXX. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXXXXXX XXXX  - Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX  Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - Account number - XXXX INQUIRIES XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 XXXX years. 

15 U.S.C 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 has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Transunion on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Child Support is reporting inaccurate and incomplete information on my Experian, XXXX, and XXXX XXXX reports. The information regarding the payment history is incomplete as well as beyond the statute of limitations to even be reported since the date of first delinquency has past beyond 7 years. The account has not been current since before XX/XX/2016, meaning that as of today the entire account should have been permanently deleted from each consumer report. The FCRA demands that after 7 years from the date of first delinquency, the account must fall off my consumer report!
Product: Credit reporting

I called Experian to remove different address that were listed in my name that are incorrect. They gave me the run around asking me have I used a credit repair company and telling me I need to send in my info to verify that I 'm who I say I am. I verified all the information they needed but since I did n't have report number they could n't remove the addresses for me. This is very hard on me and my family. Identify theft has been happening to me for a very long time. I 'm taking action to sue them in court. They never take a disputed seriously, they will say they verified information but the creditors do n't even have the info so how could Experian have it. Nothing this bureau does makes sense. Please have them remove any negative info off my record.
Product: Credit reporting or other personal consumer reports

I previously disputed with Experian directly as well as thru the CFPB website, regarding inaccurate information regarding my XXXX XXXX XXXX XXXX. I had returned my XXXX XXXX XXXX at the end of XX/XX/XXXX, purchased a XXXX XXXX, and the remainder of the lease was paid in full. My obligation per my lease agreement was satisfied. The balance that was owed to XXXX was for excess Mileage and taxes. I received a Statement from XXXX in XX/XX/XXXX, made 2 payments to XXXX. I called XXXX late XX/XX/XXXX or early XX/XX/XXXX to discuss payment options on Balance. An agreement was made for me to pay {$1000.00} and the account would be closed. Which is what I did. There was Never a Late or Missed Payment. My Experian Credit Report as well as my Credit Score, and my online Experian all indicated that I made late payments 30 + days & 60 + days, that my last late payment was XX/XX/XXXX, and I have Serious Delinquency. Experian verified with XXXX that I never made a Late payment, my Credit Report was updated to Reflect that. I thought by Experian making the changes on my Credit Report everything would automatically update, this Did Not Happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is showing 2 late payments which is inaccurate. I have not late payments on any credit card I've ever had. It says XXXX XXXX and this is not accurate. Please research and adjust Thank you
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX  Has sold the debit to LVNV funding and both parties are Reporting negative on my credit which is against federal law and must be corrected asap.

Only 1 party can report the debit and that is current debit holder This must be removed from my credit file as a charge off and bad debit even though this was a exwifes credit card and did not belong to me.

I called both credit reporting g agencies and they told me to call XXXX, called XXXX XXXX  XX/XX/22 @ XXXX XXXX  I was told by supervisor it's mot his problem and to take it up with credit bureaus of I have a problem. 
No accountability and this is a violation of my rights granted to me by 15USC1681 part 1through 4 XXXX  XXXX must take immediate action and resolve at once
Product: Checking or savings account

I made a deposit of XXXX $ to Bank of America account XXXX on Friday XX/XX/XXXX via mobile app. The check was from a major insurance company. I looked at it and it was processing and then within two minutes a hold was put on it until XX/XX/XXXX because I never make large deposits ( although I regularly put 10-15k monthly in my three other accounts ) I use this account to pay my mortgage ONLY which incidentally is XX/XX/15, so consequently I only have deposits of 2 or 3K monthly. 

I spoke to a representative XXXX in Texas who said that her hands were tied. 

Incidentally, while I was waiting for XXXX XXXX minutes there were numerous go rounds of an ad which invited me to transfer money from my credit card to my low balance account. 

This whole scenario seems highly inappropriate at best, and in actuality a racket.
Product: Student loan

I graduated with my XXXX degree in XXXX. I had XXXX XXXX XXXX. I was told as long as I stayed in a non for profit, worked full time, and did an income based repayment plan, my loans would be forgiven in 10 years. Then in XXXX, I got notice that my loans consolidated to XXXX XXXX XXXX. What I wasn't told was that none of the time from XXXX XXXX that I paid my student loans would be counted for, for forgiveness. This makes me upset and I have spoken to numerous people from XXXX  that just say that all they can see is that the loan was consolidated in XXXX. They say I won't get any credit from when I worked in a non for profit and I don't think thats fair. It is definitely not ethical, nor should it be legal.
Product: Mortgage

We have had a mortgage with Penny Mac loan services since 2013. We had a few partial payments between the months of XXXX XXXX and Ive spoken with them repeatedly throughout it the process to receive their services and followed the instructions applied. I again spoke with Penny Mac Supervisior. We have not received a document in the mail We had change of emplyoment and lost family members which we didn't work a few months. We were trying to get a program where it wouldn't reflect late payments. They still reported late payments. We are rectifying the situation to get removed the late payment history. We are now resulting and having a 60 day past due or more to our credit affected when We are disputing this because we have been ahead regardless and this was unexpected situation. The point is that Penny Mac bank is supposed to report factual accurate information which they are in this case of the partial payments & not having funds approved in full, yet they are leaving out the facts that we made partial payments to avoid them reporting against us. So as they state that we are behind on a payment due to a small life crises. I request that they state the full facts in regards to this situation & remove credit hit completely. Its unfair & cruel to only give partial facts to plead their case & refuse to help or provide documents & additional services to plead the case in its Full Content.