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

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  XXXX-Balance {$0.00} XXXXXXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$2000.00} XXXX XXXXBalance {$25000.00}
Product: Debt collection

The original creditor listed is XXXX. I contacted XXXX as I did not open a XXXX account in XXXX or XXXX. They told me they can not discuss as it is now with a creditor. I questioned why there was two accounts with separate amounts and dates. I have not had any XXXX account XXXX or XXXX.
Product: Debt collection

Just recently, after reviewing my credit report on XX/XX/year>. I have notice that there is a discrepancy with this account that is listed under my Transworld System Inc and the validation was requested as this was an account that I did not recognize. Now I have reviewed my credit report again on XX/XX/year> and the account continues to reflect on my credit report. I have not received any correspondence from this creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/year>. Then after seeing my credit report again on XX/XX/year> there have been no updates and account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received has been received proving that the account belongs to me and all information is correct. 

Account name : Transworld System Inc Account # XXXX
Product: Mortgage

I got my mortgage with NationStar now known as Mr.Cooper in XX/XX/XXXX. I initially requested to have all my taxes escrowed so I can pay them on a monthly basis. Everything was going fine until I received a letter from an attorney in XX/XX/XXXX stating that a lien could be placed on the mortgage if I didnt pay my MUD taxes. I then called Mr. Cooper and asked for the reason my MUD taxes werent paid, they advised that a system glitch caused the MUD taxes to be removed. I then requested for them to add it back on. In XX/XX/XXXX, I was informed that all my taxes were removed from escrow due to system glitch. I never requested for them to make any of these changes to my mortgage. This opened a can of worms with my mortgage, I am now late on payments and Im being penalized due to Mr. Cooper incompetence. The tax companies are now making me liable for all the changes made. Mr. Cooper is no longer assisting with my concerns, their escalated agents are not answering my calls or emails. I need help ASAP before I end up losing my home - XXXX XXXX I live in XXXX Texas. Phone number is XXXX
Product: Student loan

I have filed and have evidence of applying for School Misconduct toward the XXXX XXXX XXXX XXXX  and their dealings with Navient toward my private loans. 

My current borrower defense status with the FSA ( Federal Student Aid ) is as follows : processing discharge and I have a letter outlining that my federal loans will be discharged due to School Misconduct with the XXXX XXXX XXXX XXXX  and Navient. 

I am also currently searching and joining several lawsuits regarding this scam school and their dealings with Navient its private loans.

I was DENIED by Navient after applying TWICE for their School Misconduct application, sent both in XX/XX/year> and XX/XX/year>. They DENIED me on XX/XX/year>. 

Their reasoning was : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.

This is vague and does not give me specific reasons why they DENIED my application and also feel they did not properly give the process scrutiny given the evidence I sent TWICE.
Product: Credit card

I completed a 0 % balance transfer on the card in late 2023. I was charged an annual fee for the card which is expected but interest started accruing on the fee balance which I attempted to pay prior to interest accruing and Citibank applied the payment to the 0 % balance, allowing for interest to accrue on the fee balance. I tried to contact the bank and request a reversal on the interest charges and they refused.
Product: Debt collection

XX/XX/XXXX I filed a complaint against XXXX via this channel using this forum. 
The number for this is- XXXX. This is what transpired : XXXX Status submitted XX/XX/XXXX XXXX response closed with explanation XX/XX/XXXX Feedback requested XX/XX/XXXX due XX/XX/XXXX ( I decided to not even bother complaining anymore because this company caused enough problems for my family ) The CFPB closed complaint. 

Then XX/XX/XXXX a bill from Sunrise Credit Services Inc. arrived regarding the same account at XXXX. How can they still accuse us of owing them $ when they owe it to us? You can't just make up bills and demand that they pay them. Again, my husband is in finance and now he has a second credit agency coming after him. Something needs to be done ASAP. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I noticed an account being reported that was not authorized on all three bureaus. I contacted the three main reporting agencies and requested this account be removed or verifiable proof used to validate the debt and and the data reporting. XXXX removed the account but never provided the inaccurate information to the other bureaus as required under the FCRA. I submitted the investigation results to Transunion and XXXX that XXXX showed removed from my credit file. Unfortunately they have yet to remove or provide any debt validation or method of verification used to verify the account in question.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/XXXX NSS  : XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 or other personal consumer reports

XXXX XXXX XXXX 15 U.S. Code 1692, 15 U.S. Code 1666, and 15 U.S. Code 1601. Additionally, under 15 U.S. Code 1681, the IRS explicitly states that a cancelled debt or charge off is considered income and should not be reported as a debt. The continued reporting of this account as a debt on my credit report is not only inaccurate but also damaging to my financial standing.

1099-C form indicating the amount of cancelled debt associated with the Wells Fargo Credit Services account XXXX I demand that XXXX take immediate action to remove this account from my credit report within 24 hours to rectify this error and prevent further harm to my credit score or severe consequences. Pursuant to federal consumer protection laws, including but not limited to 15 U.S. Code 1681, I reserve the right to seek punitive damages of {$250000.00} and more if XXXX is found to be damaging my credit report intentionally. 

I expect prompt resolution removed from my credit report
Product: Debt collection

I received a phone call from a woman who said she works for Portfolio Recovery Services. She identified me by my name and birth date and stated she was attempting to collect a debt. I informed her that I don't have any outstanding debts and that I was immediately disputing whatever the company thinks is owed. The woman then went on a long monologue about how items can affect my credit, etc. and asked me again if I was disputing the debt, to which I said, " Yes, I'm disputing this! '' I told her again that I don't owe any companies any money and that I have no outstanding collections. 

I then asked her what debt it is that they claim I owe, and the woman said it was for an account at XXXX XXXX. I informed her that I have never had any type of credit card or store credit from XXXX XXXX. I then asked her when the debt was supposedly charged and she said XXXX! After this statement I said " You've got to be kidding me! '' and I disconnected the call. 

The woman called me from XXXX at XXXX XXXX EST on XX/XX/XXXX.
Product: Debt collection

I am writing to formally request that you cease and desist all collection activities related to the alleged debt you are attempting to collect from me. Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the debt in question. 
I have reason to believe that your company, Credit Collection Services, is not licensed or bonded to collect debts in my state, Florida as required by state law. Under both federal and state laws, your continued attempts to collect this debt without the proper licensing and bonding are illegal. According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), you are prohibited from engaging in deceptive, unfair, or abusive practices when collecting a debt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/23 I submitted a dispute on a collection debt of {$1200.00} furnished by Midland credit management. I requested information to get a better understanding of this debt and to verify it is, in fact, mine. Instead, I got a message that the debt was validated and a threatening letter from Midland demanding I pay {$1200.00} to stop something they call " the pre-legal process ''. This is in blatant violation of the FDCPA and should not be considered an acceptable response to debt validation/verification by the consumer. I have a right to an accurate credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the failure of the credit bureaus to remove fraudulent accounts, inquiries, addresses, and aliases from my credit report despite multiple disputes. These failures have caused me severe financial and emotional distress. 

The specific violations include : Retaining inaccurate and unauthorized information in violation of FCRA Section 1681e ( b ).

Failure to respond adequately to disputes as required under Section 609 ( a ) ( 1 ) ( A ) of the FCRA.

Negligence in investigating disputes as per 12 CFR 1006.34 ( b ) ( 5 ).

Allowing unauthorized inquiries in violation of 15 U.S.C. 1681b.

Engaging in practices that warrant statutory damages under 15 U.S.C. 1681N. 

Fraudulent Accounts : 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 

Aliases : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

This is my third attempt to resolve this matter, and I demand that the CFPB take immediate action to ensure compliance by the credit bureaus. I am prepared to provide all necessary documentation to support my claims.
Product: Debt collection

The roof was leaking the apartment was unlivable the city was aware of it the property manageXXXX for the company which is regional told us to move if we don't like it so we did and they told us we don't owe them anything we don't stay Now after the fact we left the charges for when we were not even living there Plus they're retaliated To have the new place where we're living at kickass out. Our rent was always current up until we move
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX XXXX. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX  bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

BYL COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, PA has reported a debt on my XXXX credit report. I have never heard of this company and they have never contacted me. I believe this is a fraudulent report.
Product: Credit card or prepaid card

On XX/XX/2020, I received a text indicating I had a fraudulent charge and asking for validation of the charge. When I responded, " No '', a text appeared that my message was not received. I did not follow up on the issue and then got a bill showing {$3200.00} fraudulent charges over a period of 2 weeks ( XX/XX/XXXX to XX/XX/2020 ). My wife then realized that our credit card was lost and we reported it to Chase who cancelled the card, issued a new card, and then put a hold on the fraudulent charges. We got a letter from Chase on XX/XX/XXXX confirming the above. 

We then received a XX/XX/XXXX letter from Chase that the fraudulent charges were being re-instated and we were liable to pay for them. I immediately called the point of contact and could not get a hold of anyone from the Fraud department. I then followed up with an email listing every charge and showed how they displayed behavior and locations outside of my previous spending patterns. Three more emails and five phone calls over three months yielded the Chase Fraud Department calling me up and saying that the information with the card reported missing was not enough evidence to show Chase liable to accept the claim.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING THIS CREDITOR ON MY CONSUMER REPORT XXXX, WHICH IS XXXX XXXX IT WAS BOUGHT BY XXXX XXXX , THEN SOLD TO XXXX XXXX  XXXX, I HAD RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX, WITH THIS SAME ACCOUNT ALSO XXXX XXXX XXXX STATING THAT THESE ACCOUNTS WILL BE DELETED FROM MY CONSUMER CREDIT REPORTS. I AM NOT UNDERSTANDING WHATS THE PROBLEM I HAVE MY PROOF MY LETTER FROM XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, IS STILL SHOWING AGAIN ON ALL THREE OF CRA, THE U.S.C . 1681 THIS IS A DEFAMATION TO MY CHARACTER AND LIVELIHOOD.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report. I notice items on my credit report that dont belong to me. These items are greatly impacting my ability to be to move. Get a house. Please remove these fraudulent account from my account right away please
Product: Debt collection

On XXXX, I received a phone call from PNC Bank that I owed A debt for {$1900.00} which I did not owe. I told them that I shouldn't be the one responsible for the scam but they did nothing about it! 

Please fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you
Product: Mortgage

I have filed a complaint in regard to Freedom Mortgage in the past. I am a XXXX XXXX XXXX XXXX. I was not originally on the title to our home when my husband and I purchased it. My husband XXXX XXXX suddenly and was the sole provider for our young family, my son was XXXX and my daughter was XXXX. I did not work so I could stay home and raise our kids, my son is XXXX  so he has XXXX XXXX. We were devastated when he XXXX XXXX XXXX XXXX XXXX and I did not know what to do.I was young and lost without my husband, I couldnt stay in our home for months because it was too difficult mentally for me. My husband had wrote a letter stating that all assets shall go to me if anything were to happen to him due to his struggles with mental and physical issues from XXXX XXXX XXXXXXXX but that wasnt enough to help me. I met a lady and she has been helping me and teaching me my rights as a homeowner and in the situation I am facing. I have been trying to work with Freedom Mortgage I did not have a job and did not receive XXXX XXXX until this past XX/XX/2022. We now finally have gone through probate and I have a job as of XXXX XXXX I have been acting in good faith to try to save our family home but the XXXX  manager has not helped me at all and Freedom Mortgage says they can not do anything although we went through probate and I am now the Successor in Interest. I have sent them all the documents they have asked for. Tax info They wont allow me to make any payment. This has been going on for almost a year now and I am asking for the auction to be postponed so I can assume the loan but it is taking so long with the probate ect. I just want to have more time to allow the process of me taking over the loan to go through. Freedom Mortgage will not allow this to happen and I have done so much to save my home the right way. I need help.
Product: Credit reporting or other personal consumer reports

I did not authorize the following lenders to view my credit report and it was done without my consent. 

I am requesting the following lenders to remove the inquires from my credit report within 5 business days. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Prestige Financial Auto Apparently someone has my credit information. I am a XXXX  patient and can not drive due to the numerous amount of XXXX XXXX XXXX XXXX XXXX XXXX  this year.

Please remove within 5 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with synchrony bank, I had a credit limit with one of their companies for, XXXX XXXX dollars, ( Overstock ), Care credit, Walmart, Sams Club On my credit report it shows all payments made on time. Everytime I would make a payment, synchrony bank would decrease my credit limit to exactly what I owed at the time. So until I had this card paid off, it always reflected that I was using my full credit limit. Instead of showing I owed {$1200.00} out of {$4000.00}. It showed I owed {$1200.00} out of {$1200.00}. I have worked very hard to get my credit score up to a decent score, so I can get a mortgage buy a car or do whatever I want because I can. Synchrony has closed accounts that I never even used. Those are all bad marks against my credit. I had a XXXX before synchrony started all this, now I have a XXXX. With 99 % of payments made on time with all my creditors. I don't believe these creditors should have that much control over my credit which is my life line for the future. 
I feel they have violated my rights to be me. I am really frustrated and sick about the whole thing, apparently there is nothing I can do about it and that stinks. The rules on the creditors need to be changed, I don't believe there has been an overview of the way they are allowed to conduct business in years. I don't believe they should be able to intentionally, knowing that if they decrease your credit limit from the original limit and keep you looking like you are maxed on your cards at all times is criminal. According to my credit report I was never late, why would they tell me I was on the phone?, yet they report to the credit bureaus every month and decrease my limit to look maxed out. If my credit report showed like 6 missed payments I could understand. They have ruined my credit rating because of this. 4 different cards