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

On XX/XX/2023 I mailed a letter to Experian demanding proper verification of their claimed debt that they have furnished on my credit report. Per certified mail receipt, they received this letter on XX/XX/2023. 

Experian has responded to me by citing Section 605B ( c ) ( 1 ) and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act in an attempt to hide the fact that they have not responded properly to my demand that they fulfill their legal obligation. They are attempting to claim that this alleged debt is verified without having ever done any verification. They attempt to say that it is on the creditor to correct the information, but Experian is the one furnishing this information PUBLICLY and harming MY reputation. Which makes them LIABLE and obligated to legally validate their claims.

In the letter I demanded that they send me a sworn proof of verification affidavit to show how Experian is legally claiming that the account XXXX XXXX is in fact accurate, valid, and complete ( per 15 USC 1681e ( e ) ( 1 ) ).

Because I have never received from Experian any sworn statements, affidavit of truth with notary signature, or any statements under oath - there has been no verification made under U.S. Federal Law.

I have also demanded that they have a party identified by position and authority at Experian who has first-hand-knowledge of this matter swearing that I explicitly gave Experian written instruction to furnish the XXXX  account on my consumer credit report. I demanded that they state this under oath, with their wet ink signature and have a notary present, on the previously mentioned Proof of Verification Affidavit ( Pursuant to 15 U.S.C. 1681b ).

I also informed them that I require to witness the original wet-ink contract that I allegedly signed which created the alleged debt which Experian is furnishing on my credit report. ( Failure to produce the original contract agreement will be evidence of fraud in the claim that I owe any debt and that Experian is allowed by law to report on my credit report. ( Pursuant to UCC 3-302 ) ) I am only attempting to have the records corrected to what they rightfully should be legally and lawfully. Each phone call, online interaction, and mail piece are being documented for this purpose.

It would be advisable that Experian assure the records they are furnishing publicly on my consumer credit report are in order before I am forced to take legal action. ( Pursuant to 15 U.S. Code 1681n )
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Services Loans still showing up on my credit report and they were supposed to be dismissed due to being a 100 % XXXX service connected veteran. XXXX for {$11000.00}, XXXX for {$2000.00}, another for {$5000.00} and XXXX for {$5500.00}. They now show a {$0.00} balance however they are still reporting on my credit bureau and I need them removed asap. I am trying to get my credit scores straightened out so I can utilize my VA Home Loan. XXXX XXXX XXXX XXXX, PA XXXX phone # XXXX
Product: Credit reporting or other personal consumer reports

They investigation came back accurate, but I never received any proof of the results or finding, they results was solely based of the creditors or collections agency. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX I havent disputed with multiple letters, with Evidence attached, copy of photo Id, bills, updated payment ledgers, nothing changed and score continues to drop and is still inaccurate. The companies has lied by verifying that that reporting Accurate information when its XXXX.
Product: Mortgage

My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( JPMCB CARD ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( JPMCB CARD ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized information on my credit report
Product: Payday loan, title loan, or personal loan

I can no longer make the {$180.00} payment that is scheduled to come out of my account every other week. I took a loan out for XXXX and an interest rate of 593 %. I did some research on the loan and in Illinois it is illegal to have loans out for more than 400 %. My son has some mental health issues and we needed money quick but after doing some research I found that i shouldn't be paying this much interest.
Product: Credit reporting or other personal consumer reports

I was told my account was past due with Nelnet. I called when I got my first letter from nelnet and over the phone on XX/XX/XXXX made my account current And set up automatic payments going forward. 

Nelnet failed to process both my initial payment and my automatic payments and never notified me that it remained delinquent. After a month they transferred my loan without giving me notice. 

When I called Nelnet they had difficulty finding the XXXX in payments I made despite my having the verification codes of these payments and proof theyd been deducted from my bank account. 

My account remains in default- hurting my credit. They want me to pay all over again but I dont feel comfortable sending more money to a company that cant find the first money I sent. It was never returned to my account. When I asked why it never processed they said some payments could take months to process. How can an account be marked past due when their payment process is the reason a payment is late. I now have additional interest on this loan and my score keeps going down. I made these payments in XXXX. They transferred my loan end of XXXX. They said the new loan company should have my XXXX payment. I called and they do not. Nor do they have any indication that it will be coming. Im currently fighting with my bank to get the payment marked fraudulent so I can get the money back and make my loans current. Nelnet refuses to refund me or provide a receipt on their end that that money was transferred to the new loan holder.

Nelnet needs to fix my credit score And refund me the interest and original payments at Minimum.
Product: Debt collection

On XX/XX/XXXX, I received an IRS notice XXXX for Tax Year XXXX, dated XX/XX/XXXX, that I have violated my Installment Agreement for Tax Years XXXX - XXXX, and will be charged {$210.00} for each year as penalty and terminate the Agreement. It originates from the XXXX for the amount of {$9900.00}, dated XX/XX/XXXX, provided by General Motor 's Financial/AmeriCredit Financial Services , INC, ( Same Company with two different identities ), for account # XXXX. I am complaining about all the inconsistencies beginning with the initial contract with the Financed amount of {$27000.00} on XX/XX/XXXX, the balance amount of {$28000.00} on XX/XX/XXXX, the balance amount of {$26000.00} on XX/XX/XXXX, and then the unpaid amount of {$29000.00} on XX/XX/XXXX upon being sold for {$16000.00}. I submitted a Dispute to XXXX  about the Charge Off amount, and did not received a response from either XXXX  or GM Financial. The only document I received was my copy of the XXXX for the amount of {$9900.00}, with box 6 reflecting Code G, for cancel debt, but I believe they needed to use Code C, Expired Statute of Limitation of Debt in State of Texas, due to the time frame submitted, on XX/XX/XXXX, five days to the expiration of debt. I feel the amount is not correct and done in haste. Documents provided through attachments. The numbers don't configure and to weight the outcome of the 1099-C to affect my IRS Account, would cost me dearly if the amount was not correct.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX I made Transunion aware of the misleading and inaccurate collection account from XXXX XXXX XXXX alleging a debt in the amounts of {$3800.00} and {$1100.00} they are reporting on my credit report. Ive requested Transunion and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for transunion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Trans union has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX information was comprised. In which two new hard inquires were made on my report within the past 30days ( capital one XXXX and XXXX XXXXXXXX XXXX XX/XX/23 ). These were not done by me. I already contacted each Bureau about the fraudulent injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

Hello, My name is XXXX XXXX and I am inquiring about a dispute that I recently put in in regards to a fee that I am being wrongly charged for. This fee is for {$940.00} and I refuse to pay this because I believe this is wrongly charged on my behalf. During the spring semester of 2020, I attended XXXX  at XXXX for about 2-3 weeks at MOST ( nowhere near an entire semester or year ) where I experienced XXXX, lack of motivation, and an overall decline in my feeling of sense of belonging on campus. I simply wanted to change my major because I realized I was in the wrong Master 's program, XXXX, and I was given such a hard time from several staff and faculty whom I reached out to in regards to my situation. I had to retell my story over and over which made me relive a discouraging time and also lose motivation as time was ticking through the semester with little to no progress on my request. 

Consequently, I decided to resign from my position as a student. When I inquired about the process of a leave of absence, I also received poor support and was not pointed in the direction of how to do this in a clear and concise way. After all of this, I realized that it would've been easier to just to pursue my career around what was and is my passion, working with youth to inspire them to be a better version of themselves than to wait after WEEKS had gone by with no progress on SWITCHING MY MAJOR. I was very frustrated with this because I have never " dropped out '' or quit on anything that I have started in my life, but I felt that it was the best decision for my mental health, career, family, and overall well-being. 

Shortly after, all schools were closed for XXXX which we know was an extremely disheartening time for many, but this showed me again that school on the XXXX 's level maybe just wasn't for me at this time. To fast forward and see now, that this school is charging me for any sort of fees is outrageous to me. I can see the business side of things, however, this is so unethical in my opinion, for me to pay for a service that not only did I not use, but for most importantly, one that did not serve me or satisfy and cover areas that it claimed it would. 

I am asking with the upmost respect and humility that this charge please be removed from all accounts related to my name. I have submitted two disputes and am now submitting this complaint to show how passionate and frustrated I am about this but also because I believe you all are able to help me with this. I do not want this to hinder or hurt my credit score or my ability to advance in my life, especially when I really did not benefit at all from any of these services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Bureau ( file # XXXX ) is reporting an inquiry with XXXX which is fraudulent. Date of inquiry was XXXX XX/XX/2021 for XXXX  located XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ( XXXX. I had placed both an identity theft and fraud alert with all three credit bureaus but yet somehow someone was still able to apply for a credit card with XXXX 

I am requesting assistance from FTC to help me get this fraudulent inquiry resolved and removed from my credit report as it relates to Transunion Credit Bureau ( only ). They are the only credit bureau agency that is reporting this inquiry.
Product: Mortgage

AmeriSave I applied for a loan to refinance my home on XX/XX/2021. The initial conversations were great. Once I completed my initial upload of documents, things became extremely difficult. I did not receive any communication for a month. Once I did hear back, it was with a closing document with a floating rate. I was told initially we were locking in my rate at 3 % around XX/XX/XXXX. The loan processor stated " I am sure they are looking out for your best interest in getting you the best rate possible. ". This did not happen as my rate was increased immediately after that email. 

I went over a month sending constant emails and calling trying to clarify what was happening with my loan. I received no responses after daily emails and weekly voicemails. When I asked my loan processor to give me contact information for a supervisor to clarify documents and processes, he openly refused stating that he would never give me that information. 

After finally closing my loan I was told that my pay offs did not go through because my current back did not accept wire transfers and my pay offs would be late. 

I believe this company should be researched for fraud based on the behavior I saw while trying to complete my loan.
Product: Mortgage

I am have been working to get a mortgage for over 2 months now. The lender, Loan Depot, has been slow the entire time and takes days to review a single document. We 're finally at the Final Review stage and now they come up with more things that could have been done weeks and weeks ago. This lender has done nothing to help move along the process and has in my estimation, held up the loan with their service. My broker tells me they are short staffed and got a whole bunch of mortgages because the rates are low. But do n't they have to have some sort of time frame to get things done in? Are there any federal or state guidelines? The contract I signed with the seller expired on XXXX XXXX and she was ready to cancel. I talked her out of that by going to another lender locally here in XXXX. This was XXXX weeks ago. The new lender, XXXX XXXX XXXX has been much better. They wanted my appraisal and began the process of transferring it over from Loan Depot. No surprise, but Loan Depot delayed sending it over for a week after XXXX sent all the request paperwork to them. Loan Depot was still trying to keep my loan with them. Everything they have done has taken longer than it should have.
Product: Payday loan, title loan, or personal loan

On  XXXX ,  XXXX , I was involved in an auto accident. My  XXXX   XXXX   XXXX  was deemed a total loss. I did not have collision coverage on my insurance policy ( see attached insurance declaration page ) and since the other driver was determined not to be at fault, I had no way of recovering anything for the total loss. So the car just sat at a salvage yard where it was taken after the accident. I drove for   XXXX   and the car was how I made a living as well. All of my bills got behind and I was struggling. In  XXXX .of  XXXX   Motor Max Financial Services, who had a loan on  the  XXXX , offered me a settlement amount of  XXXX  to pay off the loan on the car as evidenced by the accompanying letter. I worked constantly with my insurance co. to see if I could recovery anything. As a courtesy, since I had been wit h the Insurance co.  for such a long time and being a  XXXX  military veteran, they made an exception to help me. But when th e Insurance co. called Motor Max to get a pay off, they were told by Motor Max the  amount of  XXXX . The loan co. doubled the payoff amount! I fee l Motor Max Financial Services ' actions constitute predatory lending practices. A representative of Motor Max Financial Services also made disparaging remarks about me and said that I had insurance when the Insurance declaration page   clearly shows that I did not have collision coverage on the automobile.
Product: Debt collection

I do not have any signed agreements with the company in question. Please produce signed agreements between myself and the company in question.
Product: Debt collection

The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family. 

PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our credit report.
Product: Credit card or prepaid card

I am not sure if I chose the correct complaint- here is what happened. 
My husband. XXXX XXXX XXXX passed away on XX/XX/2022. XXXX had a few credit cards on his own and I called everyone of them a few days after his passing to notify them all. Each creditor asked if there was an Estate and I told them no. I was told by every creditor that is debts would be forgiven and I mailed all of the a copy of XXXX 's certified Death Certificate. 
I received in the mail from 3 of his Citibank Creditor 's a 1099-C for each of these accounts ( attached ). I immediately tried calling their Recovery Dept and was on hold for hours days at a time, with no contact from them. I sent them a letter ( attached ) dated XX/XX/XXXX, the day after receiving them and still have heard nothing. He had approximately 5 store credit cards and the other 2 creditors never heard from them again. This is going to pose a huge tax implication to me and they will not respond. I am shocked that I received these as he was making payments on these cards and then to have been told that the accounts would be forgiven. I would greatly appreciation your assistance. In my time of grief and having to deal with this, is horrible. Thank you. XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

A hard credit report inquiry was ran without my approval by Bank of America. I have reported fraud through XXXX. A credit card was not issued to the fraudulent person.
Product: Money transfer, virtual currency, or money service

I placed a fraud claim with Bank of America about a scam I was a victim of. I was scammed by a person claiming to be a Bank of America fraud department employee and lost funds in the amount of {$3100.00} I promptly made a claim with my banking institution, it has been 3 weeks. I do feel as if Bank of America is doing their due diligence to recover my funds and protect my finances.
Product: Debt collection

XXXX XXXX XXXX closed it's company XX/XX/XXXX. I bought furniture through them in XXXX and it has been paid off. I can no longer go into any online account since the business is no longer opened and filed for bankruptcy. I purchased my furniture in XXXX XXXX XXXX store in XXXX XXXX, IL for reference. LVNV Funding LLC is trying to collect {$410.00}.
Product: Money transfer, virtual currency, or money service

Hello, I would like to file complaint against Wells Fargo about the escrow payments. I sold my XXXX to one of the person in the USA and I was promised that I will get the payment once I email the bank with the proof of shipment and the products price was XXXX  XXXX and also I was asked to pay XXXX  XXXX initially and then XXXX  XXXX and again XXXX  XXXX stating that the RBI requests this money for escrow payments its been more than a month since I sold my product and the banker doesnt answer me in the right way. It would be of great help if you look after this and help me throughout. 

Best regards
Product: Student loan

I have filed for an income based payment program for my student loans through Nelnet every year since graduating in 2010. I have had issues with the associates giving incorrect information or offering no information or assistance. I 've had to file a deferment for 30 days every year because they claim my paperwork was n't sent in time forcing me to accrue interest on a loan I now will never be able to pay back. I have been unemployed for almost 2 years and can never get factual information or help for these loans. Im on the verge of defaulting because I do n't trust Nelnet or it 's associates. Even after filing a report with the Better Business Bureau, they have failed to reach out and assist me in answering questions I have about this loan I do n't understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my police report for this XXXX account on my file. This XXXX Acct # XXXX is not my account. I have never had a XXXXXXXX XXXX account. In Accordance with the Fair Credit Reporting Act .... XXXX Acct # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A States : I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.