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

I've reached out to TransUnion Credit Bureau and they did not help me at all with fraudulent credit inquiries. I have not applied to these creditors during this timeframe listed below, and want these inquiries that I did not authorize to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries as I have not authorized these inquiries listed above on the specified dates ONLY. Thank you!
Product: Student loan

On XXXX I noticed that my nelnet loans were very different than I expected - often not due until XXXX when the 6 month deferment would have ended in XXXX. I reached out via phone call and stood on the line for over 2 hours with no response. I decided to send an email to receive clarification as no one would pick up the phone. 

I received an email on XX/XX/XXXX saying that my XXXX XXXX loans would be in deferment until XX/XX/XXXX. A month later I checked and this was not the case, and Nelnet has now charged me for payments in XXXX. 

I called again on XX/XX/XXXX to understand why I am being billed early and incorrect amounts ( one shows double the monthly payment ). I once again sat on the phone for over 2 hours with no response. I am yet to hear back and Nelnet has begun withdrawing funds directly from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB  Complaint Equifax  process of investigation and results.  <P/> This is a follow-up complaint but not a duplicate complaint to CFPB  XXXX  submitted  X/XX/16 .   XXXX   XXXX   had updated account   XXXX   XXXX   XXXX   XXXX   as paid with the CRAs and I disputed through the CRAs. I also sent a direct dispute to   XXXX   XXXX   requesting date paid  ( see attached letter ).   XXXX  deleted this account and Equifax sent a credit file dated  XX/XX/XXXX  that showed   XXXX   XXXX   still reporting paid ( see attached Equifax  credit file  dated  XX/XX/XXXX  ) As a result on  XX/XX/XXXX  I filed a complaint against Equifax.   The following is Equifax response to that CFPB Complaint  XXXX  Please be advised   XXXX   XXXX   XXXX   Account number  XXXX  has been verified by creditor as reported with your Name, Social Security number. Date of birth and address. Please contact   XXXX   XXXX   XXXX   directly at  (   XXXX   )   XXXX  regarding additional concerns or questions.  <P/> I have tried contacting   XXXX   XXXX   XXXX   several times and they just keep responding with unsigned letters that Equifax won t accept. Letters from creditors have to be signed with a contact name, date and on bank letterhead, this is according to Equifax representatives.  <P/> I filed a CFPB complaint against   XXXX   XXXX   XXXX   and ask about account number  XXXX . My complaint was forwarding to the  OCC, who p rovided the following response to my question ;   XXXX   XXXX   reported that account number beginning in  XXXX  and ending in  XXXX  is not a   XXXX   XXXX   XXXX   account number . (  See OCC letter dated  XX/XX/XXXX   )  The  OCC  signs there letters with  Customer Assistance Group I n ot sure at this point if those letters have any authority over Equifax or if it would change the outcome of Equifax  investigation that r esulted in a verification that   XXXX   XXXX   is reporting under account number #  XXXX .  ( Ple ase see attached Equifax  Credit File da ted  XX/XX/XXXX  ) On  XX/XX/XXXX  at  XXXX  Mountain Time, a dispute was filed with Equifax, representative was  XXXX , the dispute request, delete the   XXXX   XXXX   XXXX   remarks Account Transferred or Sold ; I requested that Equifax send   XXXX   XXXX   there letter of response to my direct dispute over updating the account to paid and ask them to sign there letters, so Equifax can update the account correctly as sold and transferred to   XXXX   XXXX   XXXX  .  <P/> I have attached the following documentation : Equifax  Credit File   XX/XX/XXXX , Letter of direct dispute, dated  XX/XX/XXXX  sent to   XXXX   XXXX   over account being reported paid,   XXXX   XXXX   response to direct dispute, dated  XX/XX/XXXX  Copy of certified mail direct dispute sent to   XXXX   XXXX  , Copy of certified mail sent letters and proof of direct dispute to Equifax, Copy of letter from  OCC da ted  XX/XX/XXXX , Copy of CFPB complaint  XXXX , Copy of this CFPB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I realized that my XXXX mortgage payment was not applied by Freedom Mortgage of XXXX TX. I call them to find out why and was told that it placed on a hold account because it was short paid. I normally pay {$4700.00} but was not aware that it was increased by {$60.00}, ( hence {$4700.00} ). I made good on the {$60.00}, the representative even waived the late fee. 
On XX/XX/XXXX, the credit bureaus were sending me alerts that I have a late payment on my mortgage. I again call Freedom Mortgage to find out why I was reported to the credit bureaus after they were the ones holding my payment. They said because it came in short. I got no notice from them prior to inform me of their action. I also pleaded with them to waive/retract this negative report but to no avail. They said we are not late until after the XXXX of the month, so I told the rep that technically we are not late, and they were the ones who did not post it, and did not communicate with me. 
I am asking for your help in communicating with this company to remove the negative reporting as it affected my credit by XXXX points.
Product: Credit reporting or other personal consumer reports

Ive file several complaints with CFPB and disputed this account on several different attempts with both XXXX and TransUnion to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

XXXX and TransUnion is in violation of my FCRA rights. XXXX and TransUnion are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that XXXX & TransUnion both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are XXXX and TransUnion getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave XXXX or TransUnion any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/year>. XXXX and TransUnion constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation
Product: Mortgage

XXXX years ago I began to suffer financially due to a downturn in XXXX. I contacted my mortgage servicer, SPS, and requested that they modify my mortgage so I could keep up with the payments. They made me fill out paperwork and told me they would review for loss mitigation options. They came back stating that all I qualified for was a repayment plan because that is all the owner of my mortgage would allow. The owner of my mortgage has since gone out of business and the rules to loss mitigation have now been moved into the master servicing agreement held by XXXX XXXX. Their master servicing agreement allows for modifications. I have been calling SPS frequently and each time I call I get a different answer as to whether I can get a modification or not. Each loss mitigation representative i speak to says i qualify then they come back and say I do n't. Some dont know they answer and some are completely unable to speak about what the servicing agreement allows. My interest rate is 6.99 % and they could have helped me when this all started. Now my loan is close to foreclosure and I Need a modification to stay in my home. I have asked my son to come live with me in order to help with the bills and he has agreed so I can afford a modified payment but SPS refuses to help. All I am asking is that they adhere to the terms allowable in the master servicing agreement and modify my loan to an affordable monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This reporting agency is reporting on my credit. I have no idea who this is and never had XXXX. I contacted them directly and they would not help identify how or what this bill was. 
I requested proof regarding this account and she denied me. XX/XX/2020 when called. She then hung up on me and said good luck.
Product: Debt collection

Enhanced recovery company will not validate debt. This is not my debt and it needs to be removed from my credit report all 3 credit reporting companys. I have try to get to the bottom of this and not getting help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, Capital One is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sending Equifax my documents, police reports since XXXX of this year and they have not removed it off my credit report. The account is '' XXXX XXXX  '' and it says I owe {$560.00}. Now I keep calling Equifax and they just keep making me jump through hoops repeating themselves always making me send them the same document.. I'm the victim!! but they are not helping me. And I can barely understand the person on the phone because they can barely speak English. it's irritating!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. XXXX, XXXX, EQUIFAX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a 3rd party submitting this claim this is me XXXX XXXX.
Product: Debt collection

Hi I submitted the payment to Klarna the other day to resolve the issue. I wasnt aware it was sent to a debt collector and they took my money for that payment already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the incorrect information with XXXX  XXXX XXXX where all 2 Bureaus XXXX and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly.

I contacted all 2 bureaus XXXX, and Transunion as well as XXXX  XXXX XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Product: Mortgage

Our experience, like many other Dovenmuehle consumers who are widely complaining about the company on internet review sites, started with Dovenmuehle purchasing our mortgage. 

We did not choose to do business with this company, but were forced into a business relationship with them. They immediately got our monthly payment amount wrong in the first month of purchasing the mortgage XX/XX/XXXX. It required a dozen phone calls to get the corrected payment amount recorded on our statements. Due to their error of sending the wrong initial payment amount, our first couple of payments were not being applied to the mortgage, but sitting in an escrow hold. When we identified the problem of the billing amount being wrong, they corrected the problem but still charged us a late fee for our payment made in the incorrect amount, even though it was made on time. This late fee was ultimately removed after several phone calls. 

Fast forward over a year later to XX/XX/XXXX, we made our monthly payment via our bank 's bill pay, but accidentally switched 2 digits while typing in the payment amount. This typocreated a short payment amount which we immediately corrected once we were notified. We apologized for the honest typographical error and made the necessary payment to correct the payment shortfall. The resulting {$92.00} fee was not removed because we were told that " Dovenmuehle has a ONE-TIME courtesy late fee waiver policy over the LIFETIME of the loan. '' We appealed that the payment was NOT late or delinquent, but sent in the incorrect amount due to an obvious typo resulting from switching 2 digits while typing the amount into an electronic bill pay system with our bank. Their answer was too bad, the fee is valid.

I have never worked with a company with such complete disregard for their customers. There exists a huge list of complaints online with situations very similar to ours. This is evidence that they continue to treat consumers poorly and continue to get away with it. THIS MUST  STOP!!!
Product: Mortgage

On XX/XX/2017 a SLS representative named XXXX XXXX ( spelling may be wrong ) left me a voicemail in which she stated that I am required to have an XXXX insurance policy and to send evidence of an XXXX insurance policy. She also stated that it was Required by the State of Florida that I have an XXXX insurance policy for my condominium. This voicemail is provided in the attachment to this complaint. In addition, I believe should also have a recording of this same call given record retention requirements for loan services. 
I have requested the regulatory citation referred to by SLS. SLS has not provided me in writing any legal citation that I was required in the state of Florida to maintain an XXXX insurance policy. I am requesting that in response to this formal complaint, SLS provide a response to the following two questions : 1. Do you agree or deny that your SLS representative left me a voicemail on XX/XX/17 stating to me that an XXXX insurance policy was required by State of Florida law? 
2. Can you provide a citation from Florida law that was EFFECTIVE AT THE TIME OF OUR COMMUNICATIONS that specifically and clearly states that XXXX insurance was REQUIRED? 
Any response provided by SLS to the aforementioned questions will be insufficient. This request is simple and clear and I hope SLS can respond timely and appropriately
Product: Credit reporting

Credit report requested from Experian, was initially charged {$1.00} to " check my credit '' listed in my checking account as " EXPERIAN *CREDITREPORT XXXX CA '' and then {$21.00} every month following for 5 months with no option to cancel, listed in my checking account as " Experian *CreditReport XXXX CA ''. I did not request or receive any service for this charge and am unable to find where the charge is even coming from. Experian website provides no insight or option to cancel services, as I do not have an account with them. Total money stolen through these charges amounts to {$100.00}. I still have no way to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, XXXX, and Equifax via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX  XXXX XXXX XXXX in the amount of {$550.00}
Product: Credit reporting or other personal consumer reports

As a federal award recipient authorized by the U.S. Department of Health and Human Services Office on XXXX in Persons, I am writing to inform you that XXXX XXXX  has determined that XXXX XXXX is a victim of severe XXXX  XXXX. This determination qualifies him for certain protections under federal law, including the blocking of adverse credit information Under 22 U.S.C. & 7102 ( 11 ) or XXXX XXXX  under 22 U.S.C. & 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. & 1022.142 Please see attached original.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX formerly a XXXX Account # XXXXhave blatant inaccurate information and according to the FCRA statute 15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. 

However the company reporting it to my credit with the same name and address is saying that this is not there account yet in their name they are reporting it to my credit. If this is not their account it should be removed because it is inaccurate. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX