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

XXXX  and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. Transunion and XXXX  bith removed this public record for being inaccurate and unverified but yet XXXX  refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Navient dated XX/XX/XXXX, stating that my deferment begins on XX/XX/XXXX. Mr credit report reflects that I was 90 days late in XX/XX/XXXX. There is no way I could be 90 days late in XX/XX/XXXX if my deferment started in XX/XX/XXXX. I have tried to rectify this with Navient but was denied. This is an outstanding issue on all 3 credit bureau 's and i am requesting this be corrected. My letter reflects all of my student loan accounts had a deferment as of XX/XX/XXXX. The letter clearly states in the body that the deferment began in XX/XX/XXXX, but Navient responded to me stating it began in XX/XX/XXXX. This is clearly an error on the loan servicer 's end.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

My mortgage company is actively trying to delay or block my home mortgage refinance with another company. I initiated a mortgage refinance with a broker in XXXX. The last step is for me to provide a 24 month verification of mortgage payments. I provided my broker with signed authorization to obtain this information on my behalf. The first request was on XXXX XXXX. After repeated requests for this information, the mortgage company still has not provided my broker with payment history, and even told them it may be after XXXX XXXX!!! My loan interest rate is locked in until XXXX XXXX, and I just received a letter stating that they received my request and that it would take place after XXXX XXXX. I may lose my loan interest rate and may even have to start the process over due to my mortgage company failing to fulfill my request withing the XXXX business day period they told me it would take when I inquired about if over the phone in XXXX. My broker urged me to file a complaint and stated that this activity is illegal. The request for mortgage payment history should not be delayed for months. I have been having trouble with my mortgage company improperly handling situations for years now. In XXXX I applied for a mortgage loan modification after the economy downturn, I was unable to afford the extremely high payments for a house that lost half it 's value. My mortgage company dragged it 's feet until I finally had to file for bankruptcy in XXXX. During my bankruptcy planning process, the mortgage company finally sent me documentation approving my loan modification. I decided to file chapter XXXX instead of chapter XXXX because I believed that they were acting in good faith. This proved to be a mistake. After I met all the qualifications during the 3 month trial period for the loan modification, I heard nothing from my mortgage company. I called to find out why my modification had not been finalized. My loan specialist advised me to keep making the new lower modified payment until they were able to find out why the process was not complete. This went on for 7 months and then I was told suddenly with no reason at all that the mortgage company was not going to do the modification and that I am now way behind on my mortgage due to paying the lower amount that they advised me to do. I believe they fraudulently sent me approval for loan modification that they had no intention of fulfilling so that I would not file chapter XXXX and they would be stuck with the house. I would have filed chapter XXXX if they had not sent me loan modification approval. My mortgage company continues to petition the court to modify the loan amount I agreed to in my bankruptcy plan. I do n't see how they are able to do this without my approval or agreement. They even advised me over the phone that there is a motion to dismiss the bankruptcy so they can continue collection activities, even though I am still under bankruptcy protection. I do n't know where else to turn for help against them. I have attempted to contact an attorney, but am having difficulty determining what type of lawyer handles these types of cases and could give me advise.
Product: Student loan

During my college years XXXX at XXXX XXXX , I received both federal and private loans. The private loan was given for me to attend summer school, for this loan i had to find a co signer. Once I graduated payments started right away, and I began paying them noticing that the amount seem very high. I requested student loans help with payment due to change in my job situation we were moving across states. I was told the private loan could not qualify unless I paid {$50.00} per month. Fast forward to trying to purchase my own home, navient did not notify me that the {$50.00} forbearance request had not been received so it sent to the creditors and greatly reduced my credit score when trying to buy a home. It greatly affected me and I was not able to qualify for the reduced interest rate due to this horrid situation. I have overpaid for my mortgage due to this hit to my credit of $ XXXX per month since XXXX and I was unable to have this resolved. I requested this to be removed from my credit, for some sort of help or solution. Also with this private loan, the interest rate changes so often XXXXd got up to 10 %! Almost unaffordable and after paying it for several years ( 10 ) I still owed the same amount as when i started which was not transparent. I then eventually paid it off, however it has caused my great stress. I also had federal loans that I still have from XXXX, paying and going back for an additional degree to try and make more money. I tried to inquire about income based options and was told that I did not qualify the only thing that was available was forbearance in which the high interest rates would still be charged,. Please help
Product: Credit card

I used a credit card issued by Bank of America ( BOA ). However, I have been charged once for return check fee and once for late payment fee. I have never tried to make late payment or void payment. Both issues were caused by the fact that BOA does not provide enough instructions and help in setting up online payment correctly. I thought I have set up recurring online payment correctly. I do n't know know why it did not work well. I tried to got help several time through its online service and phone service. When I asked them to check if I set up the recurring payment successfully, they failed to provide this service. Online chat representative asked me made a call. When I finally got connected with the phone representative, she said she were not able to confirm for me. Now they charged the fees and refuse the reverse them.
Product: Credit card

XX/XX/year> call from XXXX XXXX no message, returned the call same day. Was asked my name/last 4 of ss # and address no match because I re-married 5yrs ago and relocated 4yrs 7mo ago. Asked if I opened an acct for a XXXX XXXX XXXX XXXX and stated no, especially with a former last name and former address. Total of {$680.00} which was {$510.00} for purchase made on XX/XX/year> in XXXX and annual fee of {$170.00}. Transferred to fraud dept. I asked if a physical card was mailed to the former address and it was. What item ( XXXX ) was purchased and did not know may have been dept store, apparel store or a sporting good store. I called XX/XX/year> with more questions but fraud dept was closed. I called on XX/XX/year> to ask more about transaction. Was told XXXX XXXX XXXX @ XXXX. I called and XXXX processing credit card purchases on behalf of businesses. To get a receipt for the purpose of seeing the business the purchase amt, the date of purchase, Cvv, and credit card info needed. I did not have card info and concora would not give to me neither would they look up the ino on square.com/receipt. I met police on XX/XX/year> and they went to home. denied any mail came to home but police retrieved letter for my son. Police report should be available XXXX business days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

this is a mortgage company I never had a mortgage in my name they or asking {$69.00} dollars I like this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Name : XXXX, XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, AZ XXXX EMPLOYER : RETIRED XXXX XXXX XXXX  RETIRED XX/XX/XXXX BANNER XXXX XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX RETIRED XX/XX/XXXX XXXX  XXXX RETIRED Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Colections : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax NAME XXXX XXXX A XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

a mortgage company called XXXX gave me a loan for an investment property. From XX/XX/XXXX until XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) was paying escrow taxes to the wrong lot number for the condo I own. After 3 years I was notified by the town the condo is located in, that they put a lien on the property for non-payment of property tax. I called XXXX, they admitted fault and paid all of {$4000.00} owed to the town taxing authorities. XXXX  then started to charge me thru additional mortgage charges to get the tax money they paid to the town. XXXX  said that they would charge me until all of the {$4000.00} was paid to them and if I did not pay, it would affect my credit and they would repo the property. I complained and called them once a week. XXXX sold the loan to FLAGSTAR bank. I explained the problem with XXXX to the new holder of the loan FLAGSTAR, but they just kept charging me extra on my payment until my escrow is down to negative {$1200.00} Both XXXX  and now FLAGSTAR owe me {$2800.00} that I was charged by extra payment on my loan by raising my mortgage payment. I am being robbed and threatened that if I don't pay, this bank will ruin my credit and foreclose on the property. I have called both banks NUMEROUS times and they say they will investigate and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to XXXX. I sent them a police report identifying the Discover credit card account, and the other supporting documents that they require. XXXX has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than XXXX days ago. 

The Discover account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {XXXX} on it. I have also provided the police report and my statement to Discover about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within XXXX days. 

It is becoming a common problem that XXXX refuses to follow the law, and they are acting to harm consumers knowingly and willingly. Discover is also particularly bad at following the law and removing fraudulent accounts.
Product: Credit reporting

Some of the items have already been disputed and reversed, but not all and new accounts came in after my initial look. So far, XXXX accounts were opened : XXXX - Account closed and marked as fraud. Spoke with representative who stated it was opened in person at XXXX XXXX XXXX in XXXX, Colorado XXXX XXXX - Under investigation XXXX - Waiting for documents to begin investigation XXXX - Investigation complete, account closed as fraudulent and charges are being written off. 
XXXX - Under investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account DATE : XX/XX/XXXX ] Reason : [ NEED IT DELETED HAVE NO CLUE OF THIS ACCOUNT ALSO THE HARD INQUIRY ] 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. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX MONEY WAS PAID TO ME THRU SQUARE ACCT. 
MONEY WAS SENT TO MY XXXX  ACCT. I FORGOT I HAD CLOSED THAT ACCT AND SO XXXX RETURNED TO SQUARE ON XXXX XXXX TRACING NUMBER XXXX ... THEY TOLD ME MONEY SHOULD BE ATSQUARE ON TUES THE XXXX -- -- IT WAS NOT ... AFTER MANY CALLS AND EMAILS TO THEM THEY SAID IT WAS STILL WITH XXXX  ... REPEATLEY I TOLD THEM I HAD TRACING NUMBER THEY NEEDED -- -THEIR RESPOND WAS THEY NEEDED PERSON I HAD TALKED TO WHICH IS A CUSTOMER SERVICE PERSON WHOM PROVIDED ACH  NUMBER... SQUARE SAID I WOLD HAVE MY MONEY BACK IN 1-3 DAYS -- ITS BEEN FOUR DAYS NOW AND STILL MONEY AND NO RESPOND I DONTUNDERSTAND HOW MONEY CAN BE TRANSFERED IMMEDIATELY AND THEN IT TAKES DAYS TO GET IT BACK.. I FEEL THEY HAVE MILLIONS OF DOLLARS THAT THEY FLOAT DO USE IT FOR THEIR PURPOSE
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent letters to all three credit reporting companies informing them of accounts, address and numbers that's reporting on my credit report wasn't open by me and received letters back as the account verified, my letters was sent XXXX XXXX, and XX/XX/year> to XXXXn, XXXX, and Equifax. this matter is also stopping me from being able to move and XXXX a job with a new company due to bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I opened an escrow acct with XXXX  escrow agency in XXXXXXXX XXXX to fund the XXXX XXXX  for my husband and myself. 

It has taken us almost XXXX years to find a XXXX. I received an alarming email from the XXXX XXXX ( the owner of XXXX ) about fraudulent activity in the agency 's Capital One acct. Naturally, I was very concerned and emailed my contact there and received no response. 

I then emailed XXXX XXXX personally to request the withdrawal of all my funds in my account and I received an email saying " Due to legal action, I regret to inform you that all operations have been placed on hold. At this time, I am unable to provide further details regarding this matter. '' No activity is available to acct owners through the online portal. Many of us account owners are concerned about whether our funds are still in our account since there appears to be strong evidence of misappropriation/mishandling of funds or even embezzlement. 

I have called and emailed XXXX repeatedly to get my money out with no response at all. I urge the CFPB to investigate XXXX and XXXX XXXX to get to the bottom of this.
Product: Credit reporting or other personal consumer reports

Date of XXXX Delete!! 


Unathorized inquiry CBNA Date of XXXX Delete!! 


Unathorized inquiry. 
LENSTOLERI Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX  Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 





i noticed this issue in XXXX correct information needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Debt collection

I want to start stating that I don't know what else to do to get a fair solution to this issue. I already engaged Synchrony Bank back on XX/XX/XXXX and I didn't get any response from them. They didn't even investigate my case and there is no dispute remark in the account. 

I am submitting this complaint because they are not acting according to the consumer rights. They are violating the law by doing the following : 1. Conflicting payment history, inaccurate reporting.

2. Reporting false activity date.

3. Re-aging charged-off account!

4. Unfair business practices.

5. Negligence.

6. Breach of contract.

7. Reporting false and erroneous information. 

I did my own research and I am sure that, based on all the damages that I have suffered due to their inaccurate report, it is fair to get the account REMOVED from all three major credit bureaus. 

Here is the account information : Synchrony account : Syncb/Paypal Credit, opened date : XX/XX/XXXX, limit : {$300.00}. 

Please send the attached documents to this company.