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

I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed promptly because I will not wait another 50 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX to XXXX XXXX of XXXX XXXX, MI in XX/XX/XXXX. They requested a payoff from Exeter and issued a check and I recieved my new vehicle. For some odd reason 2 years later my credit is being terrorized with 30 & 120 Day lates. Each time Ive called them they admitted to the mistake and said it would be corrected in 30 days to no avail. They have damaged my credit profile and reputation. Each time I've attempted to dispute it via Credit Reporting Agencies it comes back as accurate. 

This is my last attempt at resolve before taking legal matters into my own hands.
Product: Checking or savings account

I received a series of emails associated with NAVY FEDERAL CREDIT UNION that indicated an account in my name had been opened, 2-factor authentication was enabled using my email address, and a card was on its way. I forwarded the first 2 email to as address listed on the ban 's website ( XXXX ). I called the ask twice to alert them to this activity. On the first call, the operator asked for my social security number, which I refused to give. On the second call, the operator offered to connect me to the fraud department ; once connected, an automated announcement said it would take 25 minutes to speak to a human. 

I have never requested to do business with NAVY FEDERAL CREDIT UNION at any time, have never authorize them to open an account, and have never given them permission to check my credit or use my social security number. The emails form this organization claim that it is federally insured by NCUA.
Product: Mortgage

Payment was made on XXXX XXXX, 2016 and still have not credit my account. 
XXXX Ditech Logo BUY A HOME HOME REFINANCE CALCULATORS RESOURCES MANAGE MY ACCOUNT LOG IN UPGRADING OUR SYSTEMS IN XX/XX/XXXX Home / Upgrading our systems in XXXX We 're making improvements We 're improving our systems to serve you better. 
We 're upgrading our systems! 
Thank you for your patience. 
Ditech is in the process of upgrading our systems. When this work is complete, our customers will experience more efficient service through expanded capabilities like : Faster billing statement delivery Improved online payment options Digital alerts through text or email Free automatic payment plans On Friday, XXXX XXXX, your account access will temporarily interrupted as we install these upgrades. 

Customer service phones & online systems will be unavailable on Friday, XXXX XXXX As part of a planned systems upgrade, the XXXX online service, our automated phone menu, and the customer service call centers will be closed on XXXX XXXX, 2016. Ditech will reopen for business XXXX XXXX and on that day our customer service center will stay open until XXXX XXXX CST to serve you. 

XXXX account data may be unavailable in MyAccount until XXXX XXXX XXXX XXXX XXXX, you will be able to access your secure information in MyAccount. However, for some customers, the information shown there will reflect only Ditech mortgage loan activity as posted through XXXX XXXX, 2016. Any payments made on or after XXXX XXXX, 2016, may not be visible in your transaction history or your balance until XXXX XXXX. 

Payments made on or after XXXX XXXX will post on the date received If you make a mortgage payment on or after XXXX XXXX, 2016, we will post your payment effective the date it was received. Your up-to-date account information will be visible in MyAccount on or about XXXX XXXX. We will post all payments received on XXXX XXXX with an effective date of XXXX XXXX. 

Thank you again for your patience. We expect these upgrades to improve our service and your experience with ditech. 

ditech, a XXXX company XXXX
Product: Credit reporting or other personal consumer reports

M

y account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 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. 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! Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im having a lot of trouble trying to get a lil bit of help I am going thru hard times right now I got XXXX I am not working and I was just trying to get a lil something at least and nothing is letting me I been working since XXXX under my social and never took anything out besides my XXXX XXXX XXXX XXXX  that XXXX qualified me about XXXX and a half I got it on payments I put a XXXX dollar down i just need some help I even tried getting a loan and everything tell me the same Danm thing Im going to try a loan in person I need help asap Im XXXX I have pics of my XXXX checks if you need a picture just lmk Ill provide for you well what else can I say hopefully Im Abel to get sum help in person my phone # is XXXX contact me Ill be glad to provide anything for sum help thank you god bless you
Product: Credit reporting or other personal consumer reports

My interest rate was changed from XXXX percent to XXXX percent superimposed with my signature. During the contract I was given 10 months of deferred extensions. They are saying that I am behind and delinquent with my payments. I made a payment this XX/XX/year>, which brings it down to XXXX dollars. I find out that they have charged off my auto loan XX/XX/year>. They have forced me to go to an outside payment center to make my payments with a fee. To this date I have paid XXXX in majority interest fees on a XXXX dollar car financed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nelnet on XX/XX/XXXX via email explaining the error reported on my credit report. I received a copy of my latest credit report and I see two XXXX of Ed/Nelnet accounts are reporting inaccurately on my credit report. The account payment status is showing 120 days past due. My account has been transferred in XXXX. Why is still reporting as 120 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is re-aging a closed account. This inaccurate account is hindering me from future lending. Please delete both accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I have reached out to these companies as well as XXXX Experian and XXXX about the misuse of all unauthorized information that is reporting to my credit report. 
The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking.

I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on 5 different credit cards about incorrect balance, which XXXX has decreased my credit score tremendously. Several of the accounts have a XXXX balance. The dispute was sent today XXXX and XXXX responded within XXXX hours with no charges. Also, my student loans were paid off recently, but the credit bureau did not adjust my score.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized inquiry on my credit report, which is causing significant distress and financial harm. Specifically, this inquiry : XXXX XXXX It is of utmost importance to underscore that this inquiry do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax but it is still reporting on my credit report. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

Our client has been attempting loss mitigation with Bank of America ( BOA ) for several months now. However, Bank of Americas conduct has been in violation of servicing laws and standards as more particularly described below. REFUSAL TO OPEN LOSS MITIGATION REQUEST / MAKING MISLEADING STATEMENTS On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with a copy of the listing agreement to BOA. Despite receiving said request to open a loss mitigation review, BOA failed to open a loss mitigation file for our client in violation of servicing guidelines.
On XX/XX/XXXX, we contacted BOA regarding the status of the short sale review and spoke to XXXX ( a BOA representative ). XXXX informed us that there was not an active loss mitigation review showing in BOAs system. He further stated that the XX/XX/XXXX letter was ignored by BOA because it was not submitted through XXXX ( BOAs short sale system ) however, we were never asked to submit the documents through XXXX. BOA was provided with the proper documentation to open a loss mitigation review, but failed to acknowledge the loss mitigation request and failed to open the review even though it was acting in direct violation of federal and state guidelines. BOA has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure. DID NOT RECEIVE NOTICE OF FORECLOSURE SALE During that same phone call, we were verbally informed that there is a foreclosure sale scheduled for XX/XX/XXXX. As of XXXX XXXX, 2017, neither our client nor us had received notice of the scheduled foreclosure sale. BOA is required by N.C. law to properly serve the borrower ( or the borrowers attorney ) of an upcoming foreclosure sale. BOA is in violation of N.C. law. Although we did eventually receive an Amended Notice of Foreclosure Sale on XXXX XXXX, 2017, neither our client nor us ever received the original Notice of Foreclosure Sale.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

On XXXX I woke up with an alert on XXXX stating that for the month of XX/XX/XXXX my account was delinquent for the month of XXXX in a result my credit score dropped XXXX  points. I check to see which account was reporting that information and it said American Express, I tried calling and speaking to a representative to get a letter stating that they did receive a payment on XX/XX/XXXX in which I have proof it was deducted from my bank account for the amount of {$640.00}. I then spent an hour and 15 minutes on the phone with AMEX playing phone tag between the credit bureau and customer service department nobody could get me a letter showing that for the month of XXXX my account was paid.
Product: Vehicle loan or lease

I purchased a used car from a dealer that said buy here pay here. I thought the dealer did their own financing but instead they use Consumer Portfolio dand they are ripping people off under the guise that they help people with poor credit.My loan was supposed to be paid off in XXXX of XXXX but they told me that since I had 2 extensions it would be paid off in XX/XX/2023. Now I called them about why my balance is still too high to be paid off in XXXX and they tell me that the same 2 extensions are causing interest on the loan again. They are charging interest on top of interest. They are preying on seniors and people that have poor or no credit.I have been paying for this car for over 4 years and have been making my payments on time and sometimes early. I have also had to put in a new engine 2 times. the company told me to send in repair bills because the engine failed before 30 days after I had purchased the car and they told me to send in repair bills but they never reimbursed me nor did they return my phone calls
Product: Vehicle loan or lease

Car was voluntary returned due to the vehicle being sold with too many issues ( lemon ) plus it is on the top 10 most stolen cars list which is unsafe. 

Bank branch promised to update the balance but has not and keeps continuing to call and leave harassing messages.
Product: Credit reporting 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 3 credit bureaus are required to authenticate these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting ITEMS 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 ITEMS and delete them immediately in my report 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans with XXXX that are reporting on my credit report. On XX/XX/2022, I received an email that my loans were being transferred to Jefferson Capital Systems. I have contacted Jefferson Capital Systems every 2 days since this date to attempt to pay in full, and they have told me that they have no record of my loan. Each time I call, they tell me to call back in 2 days and they should have it in their system. I have also contacted XXXX, the original creditor, to attempt to make payment and they say that they also have no record of this and I need to contact the new creditor, Jefferson Capital Systems. But when I call Jefferson Capital, they still tell me they have no record. I have been attempting to pay this for over a month now but neither creditor ( XXXX or Jefferson Capital ) has any record of my loan and have not given me a way to pay. I need to either have an option to make a payment on this loan or I need it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries showing on my credit report that were not authorized nor initiated by me.
Product: Mortgage

We applied for an FHA refinance with Wells Fargo in XXXX 2016. The loan was approved, and we anticipated closing in XX/XX/XXXX. They send they could not close the loan in XX/XX/XXXX and charged us a rate lock extension fee. We then anticipated closing some time in XX/XX/XXXX, they again could not comply with this and charged us a additional rate lock extension fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We now have a letter from them with over {$7000.00} in rate lock extension fees and still no anticipated settlement date. We have been calling, e-mailing, regular mailing them and they have not responded in any way except to send additional rate lock fee extension agreements. We are now trying to have a new lender provide the mortgage but need the FHA appraisal assigned to them. Our loan officer at Wells Fargo has stopped communicating with us. We have tried calling, e-mailing, and mailing our loan officer, his processor, his supervisor and have received no response. We requested in writing that they assign the FHA appraisal to a new lender and they have not responded.
Product: Mortgage

I was paying modification payments when they foreclosed. Their trustee XXXX XXXX XXXX and Ditech never recorded the transfer of ownership. The city of XXXX continues to harass me and fines grow daily. Ditech has gone through 2 bankruptcies and XXXX will not return my calls. The property was broken into a distorted and Ditech kept the insurance proceeds.I received a letter congratulating me on the approval of the modification and the very next day when I called to make the payment ( XX/XX/2018 ) they wouldnt accept it.
Product: Student loan

I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.
Product: Credit reporting or other personal consumer reports

Pertaining to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Furnishing False Statements on consumer 's Credit Report as well as committing Mail Fraud sending consumer Unauthorized Solicitation, like fake invoices to the consumer in regards of making the consumer reliable for a fraudulent debt payment which is the responsibility of XXXX.
Product: Credit reporting or other personal consumer reports

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Product: Mortgage

I applied to OCWEN, the loan servicer for a modification of my loan. OCWEN responded to me that XXXX XXXX does not allow modifications. I searched online and found that XXXX XXXX participates in both the HAMP ( modification ) and HARP ( refinance ) programs. 
I believe that this is an unfair business practice.
Product: Credit card or prepaid card

We have a Home Depot card and have used it to repair our home and buy the appliances necessary to sell our home. The limit is {$8000.00} and until this month ( XXXX XXXX ) we were always at or under the limit. We got an offer on our home, so we will need to move out soon and rent until we move out of state in the next year, pending my husband 's mandatory retirement from his job due to age. I have been checking his credit to be sure we are okay. Last night, I saw that his score plunged XXXX points since last month, down to XXXX, because we now show that we are at 136 % of our Home Depot credit limit. This is after I made a {$570.00} payment on XXXX XXXX, which should have brought the balance to {$7600.00}. I learned that this is because they have added {$2900.00} in deferred interest charges because we did not pay the promotional balances within the 24 month time period. It is enough of a hit that we have to pay the HUGE amount of deferred interest as though we irresponsibly purchased some expensive, but to also DESTROY our credit as a result - this is a predatory, abusive, and deceptive act. Making matters even more unacceptable, I asked, just last month for a credit increase of {$3000.00} which was denied. This would have made it so I was under my credit limit for reporting purposes. They denied me, then added {$3000.00} on anyway, and now charge me 26 % interest on this interest! And {$3000.00} is SO MUCH MONEY there is NO WAY I can just write a check and resolve this. This will continue to destroy my credit for the foreseeable future. This is ridiculous! Now I do n't even have the credit score to rent a house for my family because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.