23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX XXXX for {$12000.00}. I took out the loan in XXXX made regular payments for an original loan amount of {$12000.00} beginning in XXXX XXXX when the loan was charged off by XXXX XXXX XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from NES. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XXXX and my payments since XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
Product: Debt collection

I made a settlement with enhanced recovery company and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
Product: Checking or savings account

I had three fraudulent unauthorized charges on my Bank of America account through XXXX XXXX. Adding up to {$310.00}. I contacted XXXX XXXX. They didnt resolved the issue. I contacted Bank of America about the issuethey gave me temp credit until the resolve. I get a notification that it was resolved and closed then a few days later. It changed to resolved not paid.Im not sure why that happened because I didnt authorize those charges!
Product: Credit card or prepaid card

I had XXXX charges made that I I did not approve was not notified about debited from my account. The amounts were XXXX on XX/XX/XXXX at XXXX pm and one for XXXX on XX/XX/XXXX at XXXX. Both were from XXXX.Not only did I not approve these charges but cash app denied my dispute and the only reason they offered me was a email wich just showed the time and date of the transaction
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : UNIVERSITY XX/XX/XXXXXXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to express my frustration and annoyance about the disputed accounts on my credit report. I demand that these accounts be removed immediately. I am confused as to how the other bureaus have already removed these accounts from their records, while your bureau has not. The creditors have already agreed to remove these accounts as they also manage to see the error on these accounts. I was the victim of identity theft, and it is not clear why your bureau is not complying with the law. The other bureaus have followed suit, and it is frustrating that your bureau is lagging behind. I demand that you take immediate action and remove these accounts from my credit report. The error has already been found, and I expect that you will follow the same course of action as the other bureaus and remove these accounts from my file. It is inaccurate, erroneous, incomplete, or unverifiable, and it is your legal obligation to remove them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion incorrectly reporting XXXX account as open, as account was charged off in XXXX. Transunion is using account to drop score daily. XXXX XXXX XXXX is the company in which charged off my account in XXXX. Transunion is reporting account as charged off and open as of XX/XX/XXXX. Negatively reporting account as open. 

Transunion incorrectly reporting XXXX account as delinquent, as account was voluntary closed with a {$0.00} balance. Transunion is reporting XXXXXXXX XXXX XXXX as a delinquent account in XX/XX/XXXX. Account was voluntary closed in XX/XX/XXXX with a {$0.00} balance paid off in full. Negatively reporting account as delinquent. 

Transunion is dropping my credit score using both incorrect accounts daily. I reported this to Transunion every week for 2 months. Transunion is not responding to dispute with correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account # : XXXX is not my account. Information belongs to someone else ( identity theft, fraud, error ). I am a victim of fraud or identity theft and this account was fraudulently opened in my name. Social security number obtained and used without my consent or permission to obtain goods and services. Please see additional information for address and identity verification. Reporting on the account should be stopped immediately and removed from credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and numerous store accounts were set up in my name, under a different physical address. I was not aware of the theft until contacted by a collections agency. I filed a police report on the matter and notified the credit and collections agencies ; I also disputed the charges on my credit report, but these items remain as derogatory remarks on my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was responsible for protecting my data and failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to left the fraud alert and the security freeze to all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. This is a complaint about trans union!! I have sent 4 faxes to transunion dispute numbers listed. 2 numbers and when I call I get no help Im treated rude hung up on even yelled at!! I have numerous hard credit inquirys on my credit reports transunion is seemingly not willing to help!! I was able to get this process done in 2 hours with other bureaus I am trying desperately trying to submit dispute for hard inquirys with transunion that are fraud!! Please inform company of formal complaint I am making. Today is XXXX XXXX XXXX  XXXX Time I have been attempting online since XXXX XXXX  XXXX time. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have sent letters and went on my experian app too dispute three inquires that arent mine ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } and two inquires look like the same company and plus inacurrate address 's plus other accounts that i tried to bring to there attention thru letters and plus the app and verbally
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. All account listed on my consumer report, and mentioned below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 And have caused injury Violators, XXXX, XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account numbers not mentioned here for privacy, all on report 15 USC 1681 section 602A States I have a right to privacy 15 USC 1681 SECTION 602A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( 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 conviction of crimes. All rights are reserved without prejudice.
Product: Mortgage

I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found errors. 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.
Product: Credit reporting or other personal consumer reports

I have a current account with XXXX , and has been paid on time as the agreements stated. The account that they are reporting as a " settled account '' was never in collections or never a repo.

I sent them a letter to investigate it and the letter I received back is basically telling me they cant locate the account they need more information. I dont have more information, it's what THEY are reporting to the three credit reporting agencies. It appears to be an account from 2016, which is over 7 years old.

This account needs to be removed from my credit report. Ive included a copy of the letter sent to them, their response, and a copy of the credit report.

As you can see on the credit report there were XXXX  late payments. XXXX is the only one that is reporting it accurately.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX2019 Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXXXXXX 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

Good Evening, I am having a major issue once again with Shellpoint Mortgage Lending located in XXXX, SC. This is my second complaint through this Bureau. 

In XXXX of XXXX Shellpoint reported my payment as late. After a lengthy dispute the late payment was overturned, and that XXXX a certified letter was issued to me by Shellpoint removing the late payment from my Credit. It was also supposedly reported to all Credit Bureaus. I had to file and additional dispute in XXXX of XXXX, because the late payment was never updated with XXXX. This issue was resolved after filing a complaint with Consumer Finance. 

After all of that, the property in question was sold and the Loan was paid in full on XXXX of XXXX. Im currently in the process of building a new home, which is set to close on XX/XX/XXXX of XXXX. In XXXX of XXXX I had to file a dispute with XXXX, because Shellpoint had not updated my Mortgage or Payoff Since XXXX of XXXX. This issue was resolved at the beginning of XX/XX/XXXX, which leads to the problem at hand. 

On XX/XX/XXXX Shellpoint updated my payoff information with XXXX. They also added the late payment from XXXX of XXXX that had already been removed. I have taken a major hit to my Credit before the completion of my new construction home prior to closing. I may lose my Home do to the incompetence, poor costumer service and illegal activity of Shellpoint Mortgage Servicing! You cant even escalate your call past an hourly customer service representative. I have never experienced this type of disregard for a person in my entire life. 

If my Family loses our New Home do to Shellpoint Mortgage Servicing. I will definitely sue them to fullest extent.
Product: Credit card or prepaid card

On XX/XX/XXXX {$680.00} was loaded onto my Nevada unemployment card. I went and purchased cigarettes from a XXXX down the street from my house in XXXX, NV and went to bed. In the morning, when I went to use the card, all of the money had been removed from an atm in XXXX XXXX, NY. I immediately contacted Bank of America and notified them of the fraudulent charges. They closed my card, ordered a new one and opened a claim to look into the fraud. When I received the new card on Friday XX/XX/XXXX, I was unable to activate it as my entire account had been closed due to fraud and there was no way for me to reopen it. I was instructed to contact unemployment. I called unemployment, they instructed me to send a copy of the front and back of my driver 's license and social security card to them and that one of their investigators would look into the issue and that I would not be getting paid but to keep filing. They could not tell me why I had been flagged as fraudulent or how long it was going to take. I called back today, XX/XX/XXXX as a payment was in fact released to my account for this week and I wanted to know where it would go. The gentleman informed me that I would have to wait for their system to recognize I was due a paper check which could take months.
Product: Mortgage

RE : XXXX XXXX XXXX, XXXX, MA, XXXX I am on the title and deed. 

My pre- marital funds were used to make the downpayment on the home above. 

Attorney XXXX XXXX made a misstatement under oath in court. He stated to referee XXXX XXXX XXXX in XXXX of XXXX that XXXX XXXX XXXX had made the downpayment on the home and attorney XXXX produced a fraudulent " gift letter ''. There is no evidence that taxes were paid on this " gift '' and the funds were in fact returned to XXXX XXXX at the time of the closing. 

I have maintained the house above since XXXX, when XXXX XXXX abandoned the property to live in XXXX and stopped paying his mortgage, so that he could pay his attorney, XXXX XXXX and avoid paying child support. 

I have paid to repair and replace broken appliances, repair the chimney, to hire real estate attorneys in MA to attempt to communicate with US Bank, etc. 

US Bank has refused to communicate with me in order to stop their foreclosure process ( while charging outrageous fees ), claiming that I am NOT on their mortgage. 

It appears that there has been fraud and that someone has forged my signature on a second mortgage. See the email from attorney XXXX XXXX ( XXXX ), attached here. 

It appears that my signature was forged on the first mortgage, as well, and attorney XXXX was the only one to notarize the first mortgage. 

US Bank is attempting to sieze our property again now, even though they claim that I am not on their mortgage, that the mortgage is too old for a foreclosure, and we know that there has been fraud. 
I would like a full investigation of this matter.
Product: Student loan

I have applied for the SAVE repayment plan with Aidvantage now 4 times. Twice online and I was not given the opportunity to provide my husband 's loan information. After receiving a confirmation of SAVE monthly repayments more than double what my payment had been monthly, I called. I spoke with a human and applied again for the SAVE with them providing my spouse 's information. I was told my payment would be around XXXX XXXX. A few weeks later, I called again to make sure this application was still being processed and was told yes, and the same monthly amount. I emailed about a month later and the reply was that they'd already approved it and my monthly payment would be more than XXXX XXXX. I called again, and was told when the last person I spoke to applied they must not have used my spouse 's information. She also stated that the account would also automatically have forbearance extended since I have a SAVE application outstanding. I have yet to receive this application 's process confirmation, but I still have a payment due over XXXX on XX/XX/XXXX. I am now also accruing interest now because of their incompetence.
Product: Debt collection

These XXXX  at Bestbuy said they could put it on hold but they straight up didn't. 

Not only did they not put me on hold, they contacted the debt agency and also kept sending me credit debt emails as if I never spoke to a representative at all. 

I told them time and time again that I needed time and they said they'd send me something in the mail so we could work something out but I never got anything and my credit score took an even bigger hit out of nowhere. 

Not only that, the debt has gone up by like... XXXX XXXX I just paid these XXXX not that long ago and they're upcharging me like crazy on purpose. It's BEST BUY interest for crying out loud...
Product: Debt collection

Hunter Warfield Inc, was mailed a Certified and signed Cease and Desist Letter, in that envelope was also a notification detailing their Violation of my Fair Debt Collection Practice Act rights and a demand for remove the false information from all my credit reporting files immediately. Hunter Warfield Inc. has ignored my communication for removal of the information. 

Copies of the two separate documents mailed by certified USPS to Hunter Warfield Inc. are attached. Also attached is the USPS Certified stub and copy of the delivery confirmation of that envelop to Hunter Warfield Inc. 

I formally request this case be forwarded to the Federal Trade Commission for a violation of ( 809. Validation of Debts ). As stated in the copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc.

Hunter Warfield Inc. made no attempt to notify me ( 30-day notification ) of the attempt to collect this alleged debt, it was simply placed on the credit reports in clear violation of my FDCPA rights to dispute and demand verification ( see attached copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc., titled Violation of Fair Debt Collection Practice Act.

There has been no attempt to correct the FDCPA Violation since receipt of notification of those violations, per the certified letters mailed and received by Hunter Warfield Inc. The Emotional Distress of Hunter Warfield Inc actions are unmeasurable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX Accounts : XXXX Accounts : XXXX