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

I have been disputing a fraudulent charge on my account for a year. I even filed it with the XXXX. I have sent in documents and and email confirmation to Experian. They are still reporting it as accurate on my credit report. I have sent them an email from the company XXXX XXXX who after their investigation concluded that the account does not belong to me and they have filed an AUD with the credit bureaus to remove all threads of the account from my credit report. This account is not accurate! It is not a charge off! It was ID theft! Please delete it from my credit report!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX by phone on XXXX occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I HAVE ALREADY CONTACTED ALL THE BANKS THAT HAVE INQUIRED ON MY CREDIT REPORT FOR THE DATES AND NAMES LISTED ABOVE AND THE BANKS HAVE CONTACTED THE BUREAUS INCLUDING TRANSUNION, THE BANKS ALSO SENT ME LETTERS THAT I FAXED TO TRANSUNION SHOWING THE INQUIRIES NEED REMOVED. Transunion is breaking the law by not removing the fraudulant or mistaken inquiries. REMOVE THE FAKE INQUIRIES- YOU ALREADY HAVE PROOF THEY WERE SUPPOSED BE REMOVED- YOU ARE CAUSING ME DAMAGES.
Product: Student loan

I have emailed Navient many times throughout the life of my loan which started in 2011. I have paid way too much interest over the life of this loan. I can not restructure my loan, I can not pay down the principal. I'm asking for someone to look at the structure of this loan. I want to pay this loan back FAIRLY. I have already paid {$25000.00} in interest since 2011. 

I still owe $ XXXX. The original balance was $ XXXX. This does not make sense to me. 

Please help me understand this loan structure. I'm hoping someone will call me to provide me guidance. 

thank you, XXXX XXXX XXXX I will upload my loan summary so you can see the details. See page 2 of 3 please.
Product: Mortgage

I was denied home affordable modification, then they offered me a thing called cash for keys on my property. ( I ca n't be worried about losing the house when NationStar forced me out.All I want is my money back so that I can move forward and have a safe roof over my child and I heads. ) I found out XXXX years later, that my original lender was a predatory lender. My original lender back in year XX/XX/XXXX was XXXX XXXX XXXX XXXX. XXXX XXXX was in the process of modifying my loan ( so they say ). Next thing I know is I received papers in the mail saying that XXXX XXXX XXXX would pick up were XXXX XXXX was in modifying my loan. Then it was an on going cycle with XXXX XXXX XXXX til XXXX day I received another letter from Nationstar Mortgage. In my opinion, Nationstar was very rude and unprofessional. They say that they were going to modify the loan. But I caught them in plenty of lies. Nationstar does not communicate well with there staff. I have all of the documents and conversations written down concerning this entire matter all the way to XX/XX/XXXX, when I surrendered my keys to Nationstar for the cash for keys program. As you can see, at this point I got tired of their lies and foolishness. I hope to hear from you seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

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

Account name : Veros Credit XXXX : XXXX Dated : XX/XX/2016 I have reached out to company asking if they can update information with credit bureau and they have given no response and or any accurate updated information to credit bureaus. This account was paid in full by another parties insurance company due a at fault accident on the other party. Contacted company multiple times on and after ( XX/XX/XXXX of XXXX  date of accident ) and have not got any resolution and also have attempted numerous times with
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered the Loan Rehabilitation program with Conserve back in XX/XX/2021 and have been having a very difficult time with the XXXX XXXX XXXX XXXX XXXX XXXX in getting my credit updated. I was promised after going through the Loan Rehabilitation program ( which I successfully have ) that they would be updating my credit, but they haven't done so. I've tried to contact XXXX XXXX XXXX XXXX XXXX XXXX and they are very difficult to get a hold of even after scheduling a phone call with them. I've had a few calls with them and they send me back to Conserve saying it's on them, and then Conserve says it's up to the XXXX XXXX XXXX XXXX XXXX XXXX to update the credit as the loan is back in their hands. I want my Credit updated as they said they would as I've done my part and know they aren't standing their end of the equation of updating my credit.
Product: Debt collection

On XX/XX/2018 was reporting as opened and showed up on my credit report. Dont owe this debt for {$23.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a hard inquiry listed which was not authorized by me. I do not have any knowledge of this company or why it's being reported on my credit report. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a XXXX XXXX credit card which was to inactivated as of XXXX/XXXX/16. On XXXX/XXXX/16 I purchased gas at a XXXX and charged it to my XXXX card ( posted XXXX/XXXX/16 ). I just received a CITI bill with that charge on it. I never authorized the charge on a CITI card. In addition, I never opened the envelope from CITI or activated the card. 
I received correspondence from CITI prior to receiving the card letting me know that I would be issued the card. I immediately called and requested that the card not be issued because I did not want it. I was told that the card would be forthcoming and could not be rescinded. I was advised not to activate it and just not use it and all would be ok. I have tried to call CITI, however lines are always busy.
Product: Mortgage

I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out
Product: Credit reporting, credit repair services, or other personal consumer reports

Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( Experian, XXXX, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX  indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
Product: Credit reporting or other personal consumer reports

During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX Finance Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX  Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download four dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to TRANSUNION, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.
Product: Mortgage

I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX XXXX and Account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and XXXX where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. 

Capital One Finance + XXXX Capital One Finance + XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had information that there were inaccuracies on my credit reports and asked them to remove them and they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report. 
15 U.S Code 1681b permissible purposes of consumer reports
Product: Student loan

I went to XXXX for 2 years - from XXXX through XXXX, graduating XXXX XXXX. I utilized student loans directly through UTI as well as Fed XXXX. When I graduated, I paid off all of the student loans - however, XXXX did n't have information from Fed Loan at the time so they were not included when I paid off all other student loans ( XXXX XXXX was the servicer -- nearly {$40000.00} ). In XXXX XXXX - Fed XXXX called to let me know I was delinquent on XXXX loans. I had no idea these were outstanding. Fed XXXX indicated that it happens quite a bit - that XXXX deferred the loans for a year - then submitted for repayment. I immediately made payment arrangements - and they indicated that they would put the delinquent payments into forbearance and would be paid at the end of the term. New payment schedule was made beginning XXXX XXXX - which I have been current on every month. 

When I applied for a home loan I found out that Fed XXXX incorrectly labeled my credit as delinquent over 150 days! I immediately called them and was told to file a dispute through their web site - which I promptly did. They " corrected '' the status to read XXXX, but was 90+ days delinquent from XXXX XXXX - which was not correct, in addition to what Fed XXXX told me they would report. 

Fed XXXX will not change the status - they are being deceptive in how they treated me and are unwilling to accommodate my requests. My credit score has been hindered significantly through no fault of my own. 

Please let me know if you need any documentation - I can provide anything you might need to correct this false credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX ( a/k/a XXXX XXXX ) account on my Experian credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but Experian continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified Experian of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. 

Experian has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. 

I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( XXXX  XXXX ) fraudulent practices and numerous other formal complaints against this company. 

If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against Experian and XXXX XXXX aka XXXX  XXXX for a proper resolution, which will include my attorney 's fees and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 months ago I received an alert that my credit was accessed by a company called  XXXX   XXXX . I had never heard of them before and i did not initiate any business with them so i called the bureaus to have the fraudulent inquiry removed from my credit. I also found the company online and saw there were no such banks in my area, I live in CA. I had been a victim of Identity theft in the past so i updated the police report to show the inquiry.     In  XXXX  of  2017 , i noticed another inquiry on my Equifax credit report and a account. I was told i needed to file a police report with the account number. I did and the account was removed in  XXXX . Now the account has been re inserted to my credit as well as another inquiry from another company. I thought i had a freeze on my credit and apparently that is not the case.     Remove Fraudulent Account  XXXX  Remove Inquires  XXXX   XXXX   XXXX   XXXX / XXXX / 2017  / XXXX /17
Product: Mortgage

I mailed in a mortgage payment check which the lender 's sorting machine destroyed, I called in the payment, and the lender drafted the funds from my personal checking account which cleared without any issues, I received a letter telling me that the payment was returned without being honored, I faxed proof that it cleared, they said that the did not receive the fax, I uploaded the proof to the website that the payment had in fact cleared the check I did a 3 way call between the lender 's representative named XXXX and a representative XXXX from XXXX XXXX XXXX ( the bank that the funds were drawn from ) and she confirmed that the funds did clear without any glitches, I need assistance getting this situation resolved as the Mortgage Lender is not cooperating at all
Product: Debt collection

Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX 's XXXX  XXXX   Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.