23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, My mortgage was transferred from XXXX to NationStar as of XXXX/XXXX/16. I been trying to get NationStar to begin reporting my mortgage account and payments to the Credit Reporting Bureaus. I have provided the signed re-affirmation order from the Court to Nationstar on numerous occasions. I have been told by NationStar Customer Representative that NationStar is reporting my mortgage. But this is not correct. Today, I just got the phone with NationStar Customer Representative. NationStar Customer Representative ask to provide proof that NationStar is not reporting. I have send credit report dated XXXX/XXXX/16 to NationStar. Furthermore, XXXX has removed my Mortgage information and payments from my Credit File resulting in a XXXX point drop in my credit score.
Product: Debt collection

I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the misinformation given by web administrators, the payment options were incorrect. Payment options given were not sufficient to cover payment. Company agreed to withdraw one payment every 14days on loan agreement. Web administrator should have been able to give proper payment arrangements. This account is paid in full, however the company continues to report delinquent accounts status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by reporting incorrect information across multiple platforms, which has severely impacted my creditworthiness and financial stability.

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of XXXX  This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

Equifax 's failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXXXXXX XXXX XXXX XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter.
Product: Debt collection

Amsher Collections continues to erroneously submit my account to the credit bureaus as a debt that has not been paid. This action was done as recently as XX/XX/2018. Amsher is fully aware that the debt ( {$160.00} ) has been paid but continues, in bad faith and against FCRA requirements, to report this account to several credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.
Product: Checking or savings account

Wells Fargo is holding funds from a check for {$12000.00} that was written from my XXXX XXXX XXXX XXXX. The name on the check was the business name and the subcontractor deposited the check into his personal account. When the subcontractor deposited the check Wells Fargo originally processed the check by transferring the funds from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account into the personal account of the subcontractor. Subsequently, Wells Fargo removed the funds from the subcontractor 's personal account due to the name being different on the check. Over the past 27 months the XXXXXXXX XXXX and myself have made multiple calls, visits, and filed four complaints with Wells Fargo in an attempt have the funds either returned to the XXXX or paid to the subcontractor. We were told various lies regarding what happened and was going to happen with the funds including that they had been returned to the XXXX- Wells Fargo admitted later that this is not the case. We were also told the money was sent to the state of NC and then later told that was not true. We were told to file a complaint with the bank where the check originated ( XXXX XXXX XXXX XXXX XXXX XXXX The XXXX market manager was literally shocked we brought the issue to XXXX and said it Wells Fargo must handle the issue. Wells Fargo also repeatedly refused to share with us in writing what process to follow to resolve this issue. We were told to all meet together at the local branch with ID 's and the funds would be released. We did so and they would still not release the funds.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. The balance has been updated to XX/XX/XXXX. This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
XXXX XXXX XXXX XXXX.
Product: Debt collection

Since XX/XX/XXXX, SunRise debt collectors have been calling me repeatedly, claiming I owe them {$150.00}. When I initially received their call, I asked who the debt was owed to, and they informed me it was with XXXX. I immediately contacted XXXX to verify, and they confirmed that I dont owe anything. Despite this, SunRise continued to harass me with calls until XX/XX/XXXX, when I noticed a drop in my credit report related to the debt and ended up paying it. Today, I checked online to verify if SunRise is a legitimate company, and most reviews suggest it might be a scam. I would like to confirm the authenticity of this company and ensure my identity and credit card information are secure.
Product: Credit card or prepaid card

I want USAA to provide information concerning fraudulent accounts that are illegally procured without my permission and the Visa credit card has been destroying my personal identity. This was discovered by a Senior Banker that stated that USAA Fraudulent Department has admitted multiple Visa Credit Cards are currently been illegally opened by criminal individuals that are under investigation by the FBI that is located in XXXX XXXX, Texas. This was reported by telephone contact and the agency is involved in a criminal investigation of USAA Federal Savings Bank and Visa. Please provide written documentation to my mailing address within 3 business days
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a letter to Transunion declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Transunion has yet to take any action on the removal of these accounts from being publicly disclosed. It is Transunion 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE XXXX PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CIG FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and XXXX Credit Bureaus and the CIG FINANCIAL but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

Citi has refused to refund Thank You rewards points for an airline ticket purchased thru their program. I used XXXX Citi Thank You rewards points to book a flight on XXXX XXXX. My ticket was purchased with points on XX/XX/2020, and the flights were s subsequently cancelled by XXXX. To date, I've yet to receive a reinstatement of the Thank You points from Citibank. I have called the Citi Thank You point help center multiple times only to be told that the travel agency can not do anything, and that it is up to the airline to issue the refund, even though I did not purchase the ticket with the airline, rather I purchased it using Citi Thank You rewards.
Product: Credit card

I booked XXXXXXXX XXXX XXXX XXXX XXXXXXXX on Capital One Travel on XXXX XXXX around XXXXXXXX XXXX. I'm very sure that I booked the XXXX XXXX, as I was directly searching for the name, and clicked on the map. I got confirmation email received to be XXXX XXXX XXXX XXXX. I found out on the second day, and tried to call Capital One, and they refuse to help me to change my reservation back & saying the system couldn't be wrong. The hotel I booked was very close to airport and a XXXX star hotel, and the one I got is XXXX star with many negative comments, on XXXX XXXX XXXX it sells for {$74.00} per night. This is a scam of customers, and Capital One internally have no way to remediate that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau several time in regard to some accounts that are reporting inaccurate. They are not sending me any verification as to how these accounts are accurate if they are reporting two different account balances. The dates sent letters are listed below. Attachments are attached! XXXX first is reporting a balance of {$110.00} and there should be {$0.00} balance reporting. They are also reporting a balance {$220.00} twice and the balance should be {$0.00}. This also appears to be a duplicate account. Also, there is one reporting as {$520.00} when the balance should be {$0.00} the way XXXX is reporting {$0.00}. 
XXXX is reporting a different balance and I do not owe any money. How is it that XXXX is reporting a monthly payment and TransUnion is reporting $ 0 monthly payment as well as a different balance and past due amount. There are alot of discrepancies here! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

XXXX  - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} Equifax - XXXX XXXX {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Midwest Recovery Systems contacted me saying I owed a bad debt of {$770.00}. This is not my account and I have never used XXXX XXXX XXXX from which this original debt is reported. Midwest Recovery contacted me on XX/XX/XXXX to collect a debt from XXXX XXXXXXXX XXXX with the date of XX/XX/XXXX for the last activity on the account. I have contacted XXXX XXXX XXXX on XX/XX/XXXX to find out what account number and name they have associated with this account. They reported that they did not keep records of accounts after it goes to a third party collection agency. The fact that this was not ever reported on my credit report until XX/XX/XXXX and the fact that neither Midwest Recovery nor XXXX XXXXXXXX XXXX can give me an account number or an original loan amount seems very suspicious. With no information sent to me to collect a debt, Midwest Recovery placed this bad debt on my credit report. I have also looked at my entire bank records during the time mentioned and have found no payments to XXXX XXXXXXXX XXXX. I have read other reviews on this same Midwest Recovery Systems company and they all have similar stories. At the same time, I am trying to get a mortgage and this has negatively affected my credit score. The company hopes you will just pay the debt and forget about it. This is a scam and more severe action must be done to punish this company for their illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention my concern that Navient Solutions , LLC is unlawfully reporting to third party credit reporting bureaus in violation of several laws, including the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), the Privacy Act of 1974, as amended ( 5 U.S.C. 552a ), and 15 U.S. Code 6801 ( a ).

According to 15 U.S. Code 1681a, it is unlawful for a credit reporting agency to furnish a consumer report to any person, except as authorized by law. Additionally, under 15 U.S. Code 6805, it is unlawful for a person to furnish information to a consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Furthermore, 16 CFR 433.3 and 16 CFR 433.2 require that all credit reporting agencies take reasonable steps to ensure the confidentiality, accuracy, and security of the information they report. 

I believe that NAVIENT has violated these laws and regulations by unlawfully reporting my personal information to third party credit reporting bureaus. I request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure that Navient Solutions , LLC ceases this unlawful activity and is held accountable for any harm caused by its actions. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AND TRANSUNION Account # 's XXXX andXXXX, has violated my rights. 

15 U.S.C 1681 section 602 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.

15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and XXXX.
Product: Debt collection

In XXXX we enrolled in a Debt Consolidation Program, trying to pay our debts instead filling a bankruptcy. We signed a contract with Pioneer Law Firm, PC where they promised at least reduce a 35 % off the debts, we enrolled 8 accounts to be paid, after 4 years we finished with our payments and resulted that we just paid 3 out of 8 accounts, and now we are more than " welcome '' to pay the rest of them out of our pocket, and we already paid one of them out of the program ( XX/XX/XXXX - XXXX XXXXXXXX ). We received another collection letter that I sent it to them to start the negotiation ( and pay it out of our pocket XXXX but they said they are unable to help us because we already are out of the program ( since XX/XX/XXXX ) due the inactivity, that occurred because we are not making the payments through them anymore. ( Of course, this has an extra cost for the administration fees ). They included the Litigation Support Services in the contract and 3 of the accounts already filled summons against us. But they denied the service because they closed our program. We have pending 4 more accounts to be paid. We made 48 payments of {$990.00} as we agreed in our contract to negotiate 8 accounts with the total of {$74000.00} So far, we learned that you always could negotiate with a creditor without the " help '' of this companies, but what can we do now?
Product: Credit card or prepaid card

I received and accepted an offer by email on XX/XX/2021 in regards to my American Express XXXX XXXX  card, which stated terms of additional cash back totaling 5 percent back on all purchases ( 4 percent in addition to the standard 1 percent ) on up to XXXX in purchases until XX/XX/2021. I, therefore, made an effort to make purchases on that card specifically, due to the rewarding nature of this offer relative to my other credit cards. I succeeded in maximizing the XXXX spend, which was supposed to earn me {$500.00} in reward value. When I didn't get any bonus, I reached out in XXXX of this year to inquire, only to be told to wait 8-12 weeks. I reached out again in XXXX, and ultimately was told by representatives of American express that such an offer never existed, despite my having received an email stating that clearly. After a number of back and forth discussions I've essentially been ignored for months despite having sent the proof to the company, whose representatives have not responded, except after hours of trying to get in contact with them, tell me to wait another 2 months every time I reach out. I maintain that not only has American Express withheld the reward owed to me, but they did not even make a good faith effort to look into or rectify the situation. I have attached a download of the email which I refer to.
Product: Student loan

In XXXX of 2018 I entered into a payment modification program and set up auto pay with Navient. {$150.00} was supposed to be taken out of my account each month. Navient never set the payments up with the correct information, causing my payments to be late. Was told that a payment was needed by XX/XX/2018 or delinquency would be reported to the credit bureaus. Navient reported to the bureaus prior to the date they specified. When payment was attempted they refused to accept my payment of the past due of {$150.00}. Said that I had to pay {$200.00} and that was the minimum amount that would be accepted. Otherwise they would continue to report to the bureaus for non payment.
Product: Student loan

Navient is the loan provider. I have asked for a budget/ income driven loan and they through me out of the the repayment plan because I took a home equity loan to fix some things in my house. They said that new credit was the cause of them throwing me out. Later I asked for a forbearance and they said I had 4 month of forbearance available, but I could only take 3 months at a time per their policy so they charged me {$50.00} for 3 months, then another {$50.00} for 1 month. They do not treat their borrowers very nice!
Product: Debt collection

I suffered a devastating loss when my XXXX daughter passed away in a tragic accident, which led to subsequent XXXX  issues. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following weeks of XXXX, I incurred a debt of {$29000.00} with Account Accredited Collections. Despite attempts to pay what I could, their demands exceeded my financial capacity. They advised taking a home equity loan or risking foreclosure. As a single-income household with two other XXXX  children, I struggle to make ends meet. Recently, I received notice of an additional 7 % interest on the outstanding balance. I'm uncertain about how to proceed without risking loss of my home.
Product: Mortgage

In XXXX of 2023 I was behind on my mortgage. I was approached by Universal commercial capitalXXXX XXXX XXXX XXXX XXXX They offered to help me save my home at no cost to me. At the time I was behind about XXXX. and my mortgage payment was {$1100.00}. Within weeks they had me meet a notary at XXXX in XXXX to sign papers. Nothing was explained all I was told is sign here and here and that they would save my home and refinance my loan. The amount of the loan was not disclosed the payment was not the disclosed the fees they charged were also not disclosed. No copies of the paperwork I signed were provided until my grand daughter got involved and requested the paperwork at that time is when I found out they refinanced my entire loan for $ XXXX my mortgage payment went from {$1100.00} to {$3500.00}. They charged an outrages $ XXXX for loan fees and 12 months of mortgage payments advanced to the investor who lend the money. As my grand daughter researched further the originator on the loan application does not have the proper endorsement or license to do loans in ca and the # 's used on the application belong to someone else they also added a XXXX per the NMLs their licenses do not have a XXXX. They also did the loan as if my property was a rental I survive on {$1600.00}. they disclosed I rent my property and have an income of {$8500.00} all respa violations. It was my primary residence and I was forced to sell as they put me me I a worse situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found inaccurate unverified accounts reporting.