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

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) Chase Mortgage, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these accounts with all three credit bureaus by letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Product: Debt collection

I had a credit card with Barclays and now the debt is owned by XXXX XXXX from what I am told. The original amount of the credit card was XXXX in which has been charged off by Barclays and XXXX XXXX it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
Product: Debt collection

Good Day, On XXXX XXXX I received a letter stating it was from the US Department of Education and that they were attempting to collect on a defaulted student loan of mine which I owed {$3200.00} ( Approximately ) in principal ( I have no idea how high this figure actually is as I stopped receiving notices at least 5 years ago ). In these documents was a notice for hearing and some paperwork to fill out for financial earnings. I filed a request for a hearing with the Department of Education as well as signed a notice to voluntarily pay {$50.00} a month towards this debt. On Tuesday, XXXX XXXX I received a letter from a collection agency called National Recoveries based out of XXXX XXXX Minnesota, asking me to submit documents for my hearing which is not at the Education Department but with National Recoveries. If I knew that it was not the Department of Education that was contacting me but a collection agency I would never have asked for a hearing or signed the voluntary garnishment form. I feel they misrepresented themselves as a government agency and not a collection agency and that this was an effort to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$30000.00}, XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.
Product: Debt collection

I 've repeatedly asked them not to contact this phone number, but yet I continue to receive calls. A supervisor argued that he does n't have to stop calling
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, I tried to get my FREE credit report from Experian and was given the following message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX I sent the Request Form by US Mail on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX have yet to receive my report. Attempts to contact Experian have been fruitless since they apparently provide no telephone access except to purchase a report, not to obtain the status of a requested report. The form I sent in states my request should be processed within 15 days and then mailed to me. It has not ...
Product: Credit reporting or other personal consumer reports

Trans Union LLC has violated both FDCPA and Fair Credit Reporting by adding back a fraudulent account to my credit report simply because the fraudulent creditor called them. I mailed out a certified packet which I have attached here confirming this is account was opened fraudulently without the proper authorization. Trans Union then deleted XXXX XXXX XXXX the fraudulent account opened without my signature or that of my POA only to add them back on 4 days later simply because the creditor called them. At this point I have retained an attorney and have multiple causes of actions against Trans Union for adding this fraudulent account back on my report. They refused to delete it and block the creditor even with a security freeze. The same attorney will also be suing XXXX XXXX. Everyday that this information remains on my report is a daily damage to my persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to Experian failing to remove a paid and closed account from my credit report. I paid an amount of XXXX to ( XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX of 2016 and was I was advised that the account would be removed from my credit report. I have disputed this info numerous amounts of time advising Experian to remove the account but they are refusing to remove the account. XXXX and XXXX removed the account immediately after it was paid, I am demanding that Experian do the same and remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! 

ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER XXXX  YEARS!!!

CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!!

IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & COMENITY BANK! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST COMENITY AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL!

YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING XXXX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!
Product: Mortgage

My current mortgage company CIT Bank N.A.  scheduled a foreclosure sale of my property on XX/XX/XXXX. My servicer skipped several mandatory steps before to move forward on the foreclosure procedure ; with only five months behind, they will foreclosure my home. 
Cit trustee 's attorneys didn't provide information requested on my response to their Deb & Mortgage Validation Letter submitted on XX/XX/XXXX ; moreover, CIT moved forward with this foreclosure even before they accomplished their own 30 days allows to me to respond to their debt validation letter ( DVL letter received on XX/XX/XXXX ). 

The facts for my request for a loan modification submitted using Hope Loan Port ( case number available by request ) are : - Property is my Primary Residence and only one property. 
- The main reason for my hardship was the continuous disagreements that begun to arose with my husband, and unfortunately continue escalating until XX/XX/XXXX, the date that he decided to move out of our marital home and left me responsible for all home expenses, including mortgages. Since that day, I was trying to make my best effort to keep all accounts currents ; in few months I exhausted all my savings, income, even valuable stuff that I sold for less than the real value just to continue paying my mortgage on time. Unfortunately, in XX/XX/XXXX, I couldnt continue, and I fall behind with my financial obligations. 
- As result of this situation, I also fell into a deep XXXX, a condition that worse my financial situation because I was unable to work for some days. 
- Since XX/XX/XXXX I began receiving financial counseling from XXXX, a local non-profit organization ; with them, I was able to create a budgeting plan and prepare this present request to save my home. 
- As an agreement with husband ( now separated ), he will continue paying the two car loans listed on  my credit report. Also, currently, I am working with XXXX  in a plan to address all my unsecured debt balances. 
- My second mortgage is in the process to being transfer from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ; I hope that after obtaining a reasonable workout with CIT Bank, I can move forward a negotiate some agreement that allows me to continue paying this second mortgage too. 
- For now, my emotional health and finances are getting better, I move forward in my life, and I want to keep my home. I made during last weeks so many cuts in unnecessary expenses ; now I am confident that I will do it by myself, just I need my mortgage company understanding and common sense to avoid one more foreclosure on our community. 
- A complete package was submitted to CIT and is waiting for a review and a response, this package included ; Bank statements, pay stubs, hardship affidavit, XXXX, XXXX, Third party authorization, taxes XX/XX/XXXX, taxes XX/XX/XXXX, Driver license, utility bill, HOA statement, affidavit for no car loan payments listed on my CR. affidavit of counseling received to handle unsecured debts and second mortgage.
Product: Credit reporting or other personal consumer reports

XXXX failed to delete an account that was not mine. This account is XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Student loan

When I initially was accepted into the XXXX XXXX ( XXXX  ) in XXXX I viewed it as a wonderful opportunity to gain work experience working in a entry level non-profit position and also the benefits its offered such as Public Student Loan Forgiveness Plan ( PSLF ). I called my loan servicer nelnet around the summer of XXXX to explain to them that I was joining the XXXX XXXX and I wanted to be part of the PSLF plan which XXXX  volunteers qualify for. They have records of the phone call which shows that I asked for information about the PSLF, they checked my eligibility which passed, and how I expressed my interest in participating in the program. Unfortunately they did not provided me with the proper documentation or explain how to access the proper documentation instead they instructed me to sign the papers for deferment of payment which was not elegible for PSLF. When I finished my service in XXXX of XXXX I called Nelnet in XXXX to check about the PSLF plan I was in and about my loan. They informed me that I was not in the PSLF and that I was in deferral which does not qualify. They said they can not do anything about the situation since they have an agreement with the department of education. They intentionally misled me to sign papers for deferral and not the correct income based payment plan which qualifies for PSLF. As a result I have lost two years of compensation into the PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters asking for verification and proof of verification. They keep sending me stall letters. My reports havent changed in the last 2 years. 

If after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on results of the investigation They have wrong dates for last updated, inaccurate dates for payment history, dates of derogatory events, inaccurate close dates, inaccurate dates of last activity
Product: Mortgage

Ocwen p rocessed a loan modification in  XXXX     2015 for a  property that I purposed with my ex-husband without my signature. I signed  a Quit Claim D eed however it was not filed with the lender or the municipality. The loan is currently in default and I can not buy a home because of th is. Is it m y understanding that you need a signature to process a mortgage. I want my name removed from the mortgage since I did not agree to  it. Ocwen is  now under investigate for this type of behavior.
Product: Checking or savings account

Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendor : XXXX XXXX il transaction date:XX/XX/XXXX amount XXXX claim date :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND XXXX. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. XXXX has not responded nor has the  XXXX XXXX. On XX/XX/XXXX, I called XXXX. On approximately XX/XX/XXXX, XXXX  added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX  aka MCM to make them active. I found out XXXX is using unknown credit cards from 7-8 years ago and renewing the the active dates to harm my credit score. I opened 3 online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach XXXX personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning XXXX  about XXXX XXXX   resulted in an immediate 30 point drop in my credit the next morning with no explanantions. I have waited since XX/XX/XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Product: Mortgage

We have attempted multiple times to talk to our Mortgage Loan Provider with the given Covid-19 situation to re-finance without fruition. They do not seem to want to assist us. 
Back in XXXX we filed for forbearance due to XXXX. After messing up and reporting us to the credit reporting agencies they fixed it and the forbearance was granted. We did not pay for XXXX, XXXX, XXXX and XX/XX/2020. We began paying again and were told that after we make XXXX payment which we have for XXXX, XXXX and XX/XX/2020 we would be able to re-finance our loan. Now that we have made 3 payments online we cant even get someone to reply to our messages or emails. This is completely ridiculous and we want a solution.