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

Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my Equifax credit report and its wrong
Product: Mortgage

I made a payment of {$50000.00} in XXXX XXXX XXXX to take care mortgage balance, which they didn't apply till XXXX  They commenced to foreclosure on XX/XX/XXXX. I then sent another payment of {$57000.00} on XX/XX/XXXX. They they returned a copy of my check, not the original stating it has been destroyed. They stated reason for return was the amount was insufficient to cure default. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asset-Backed Pass-Through Certificates Series 2004-WHQ1 summoned me to court to petition in unlawful detainer. I went to courts for months pleading my case. Shortly after receiving email that my {$50000.00} finally applied to my account on XX/XX/XXXX, XXXX XXXX dismissed the case. Now here we are in XXXX XXXX XXXX some unknown Person has a courtorder to XXXX XXXX XXXX XXXX XXXX from my property. There has to be some type of fraud taking place in these matters. There's no way i should've been forclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the very begining of the loan, the due dates were set for the XXXX of each month. 
here in XX/XX/2020 XXXX  shows two late payments witch is not correct, there have NOT been any lates. 
late payment fees added upon top of wrongful charge of being late initially is just wrong.
Product: Credit reporting or other personal consumer reports

I disputed an old invalid charge originally from XXXX XXXX, charged incorrectly. XXXX took it over for collection, stating it was a XXXX charge. The original charge is over seven years old and should be removed from the report. It was invalid to begin with, now XXXX came back and confirmed it. They are wrong and reporting incorrect date of original bill and no proof that it is a valid charge. Dont understand why credit bureau does not require documentation of the original charge and explain why they would continue to charge an invalid amount.
Product: Student loan

You are asking for me to pay on a loan which the soft report has no indication of having a loan with you other then private loan. Even private loan is question marked since it shouldn't have been a private loan in first point. 

Second You are asking for income base repayment with deadline of XX/XX/. Do you get your taxes done by XX/XX/? I don't think anyone has them done by then. I think this is unethical. You don't even have w2 out. I have many servicers and I have paid you before all of them. You keep asking for more and more and you keep screwing up. 

Also, you put a private loan check on federal account if it were accurate? 


Private loan should be emulated by balance not consistent through whole loan. 

This is not a duplicate. This is reoccurring issues with additional issues. 

I've paid over a years wage of this loan and I shouldn't be getting any bills. This loan shouldn't be XXXX every month. I paid over XXXX of this loan and balance should be emulated what I paid. Also, you continue to not find a solution. This loan should not be even in the mix since I was told by fasfa my family made too much. My family isn't tied to my finances and they have never been tied. Regardless of promissory note. This loan was mislead and should have been eligible for a federal loan and Pell grants. Since I was mislead XXXX  and education department should be responsible for paying.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the items on my credit report are not factual information Ive contacted the credit bureaus and they have not handled this situation as of yet and this is hindering my true credit worthiness! 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I filed an insurance claim to have my roof fixed with XXXX the claim was approved and a three party check was issued in the amount of {$20000.00} and some change. The mortgage company is finding arbitrary reasons not to release the check.

The first the pages of the claim did not have the claim number on each page 26 pages were faxed over.

Then a the docs faxed from XXXX was missing a cover sheet.

Next on t

he XXXX box 3 was not filled in. On the XXXX  th
at the contractors the signature was to light then the date on the form was scratched through and corrected to the current date.

Now the version XXXX is not the current year the version the sent us was XX/XX/XXXX and must be XX/XX/XXXX however this is what was provided to us.

I requested a new XXXX to be faxed to me on XX/XX/XXXX I was told by a person named XXXX it could take up to 24 hrs to receive. I have not received it.

I the

XXXX be faxed to the contractor he has not received it. when you send in a for the mortgage claims it takes 24-36 hr
turn around time for them to review the documents.

I need my roof fixed there is no logical reason it should take 4 months to process a claim check.

In the meantime I also requested a loan payoff sheet from SLS twice and have not received that either.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, someone moved {$2100.00} out of my XXXX XXXX. 
Coinbase said I need to report to police and you to do any investigations or recover my funds.
Product: Checking or savings account

On XX/XX/2023 there were three unauthorized transactions from my accounts : 2 outgoing wires and one XXXX transaction. I have been told these transactions were done using my deceased wife 's login credentials. I tried to stop these transactions immediately after the first one but multiple mistakes by Wells Fargo allowed additional transactions. Through the dispute process they have reversed one wire and determined the XXXX transaction was fraud but will not refund the second wire in the amount of {$3900.00}. Given they agree that some is fraud I also want the {$3900.00} refunded. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit card

Synchrony didn't credit my account for the correct amount, so my total amount owed was more than what i paid for my zero percent interest promotion. Because of this the deferred interest was added to the total. This shouldnt have happened and has racked up additional interest charges. I have disputed the deferred interest, but synchrony isnt helping me. I have called multiple times with no help. When I call the customer service acknowledge they made the error and submit a dispute, but nothing seems to be resolved.
Product: Mortgage

Loan Depot is Dual Tracking. 
I submitted a loan modification and on XXXX I was told the file in being reviewed nothing need. I have a sale date for XXXX and I was told that since my file is under review for a loan modification, that my sale date would be postponed, it was currently on hold. 
I called daily to the point where i was told that if anything was needed they would mail me out a letter. 
On Wed XX/XX/2019, I was speaking to Mr. XXXX, and he told me my file was no longer in review for the loan modification. He stated that they closed it out but would look into the reason why, and call me back. He stated he escalated the issue. 
No one ever called me back! 
On Thursday XXXX XXXX I called Loan Depot back and they told me that they closed my file due to not having enough time to review the file. She stated by Law that they need to have the file 14 days prior to the sale date. 
I told her that they did have it, i met that time frame. She stated I didn't as the letter they mailed to me stated that " it can not be reviewed due to receiving the application less than 15 days prior to the sale date. '' I asked her for a copy of the letter to be faxed or emailed and she refused. She stated I need to wait for it to arrive in the mail. 
What this representative stated to me today, contradicts everything that i was told by her and all other representatives. 
The issue I have with Loan Depot is the following : I was told my file was in review and nothing was needed and my sale date was being postponed. I contact an attorneys office today and they stated what Loan Depot is doing is called Dual Tracking. Which means Loan Depot is processing a submission for a loan modification while also pushing the homeowner through the foreclosure process at the same time. 
That is illegal. At this point I feel that I was lied to by Loan Depot as well. The 2 days that I didn't call this is what happened to my file! 
I needed to submit this complaint so that they dont lie and give false hope to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been accessing my credit without my permission
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Early this year I noticed a capital one card opened up on my report that I never possessed. The card was maxed out immediately and has remained on my credit for the past couple of months. This account appears to be frivolous due to the fact that I have never obtained an open line of credit with Capital One bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dispute of 30-Day Late Payment Reporting for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the reporting of a 30-day late payment for XX/XX/year>, as furnished by XXXX XXXX XXXX to Equifax and XXXX. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations, which require furnishers of information to provide timely and accurate notice to consumers regarding negative information. 

Violation of Notice Requirements Pursuant to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) and 12 C.F.R. 1022.7, a financial institution must provide notice to the consumer no later than 30 days after furnishing negative information to a credit reporting agency ( CRA ). Specifically : After providing the initial notice, the institution is not required to send additional notices if subsequent negative information is reported about the same account or transaction. 

XXXX XXXX XXXX failed to comply with this requirement. I did not receive proper notice within 30 days of the negative information being furnished to Equifax and XXXX. This failure to follow federal law has resulted in inaccurate and unfair reporting on my consumer credit file. 

Request for Immediate Action I demand that XXXX XXXX XXXX : 1. Remove the 30-day late payment for XX/XX/year> from Equifax and XXXX. 
2. Provide evidence that the notice of negative information was sent to me in compliance with 12 C.F.R. 1022.7 and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Failure to comply with this request will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 



Conclusion XXXX XXXX XXXX failure to adhere to federal law has caused significant harm to my creditworthiness. I request immediate rectification of this matter to prevent further damage.
Product: Student loan

-- - Ive been disputing this Department of Education balance for months. The issue stems from my Pell Grant and student loan disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the fall XXXX spring term, I was awarded a Pell Grant of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the Pell Grant .

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a student. So, between the {$2300.00} unpaid from my Pell Grant and the {$1000.00} unpaid or reimbursed from XXXX XXXX, Im owed a total of {$3300.00}. 

Now, lets look at my Direct Loan with XXXX, which totals $ XXXX amount is correct. If you subtract the {$3300.00} Im owed from the Pell Grant and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the Direct Loan, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} Pell Grant overpayment that never happened. The direct loan should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

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

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is inaccurate information reporting and you failed to conduct a proper investigation into these items. You instead sent a stall letter alleging that a third party was submitting on my behalf. I, XXXX XXXX am a natural person and not a third party. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX -XXXX XXXX - XXXX XXXX  XXXX XXXX APTS -XXXX XXXX XXXX APTS -XXXX  -XXXX XXXX APTS These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email notification to my current email address XXXX from XXXX XXXX that some one attempted to run my credit through XXXX XXXX and PayPal. i have used PayPal but in the past. I currently have a PayPal set up under my school email at XXXX XXXX XXXX XXXX  that's the one i use i got hacked and locked out of the other one. I called XXXX and there sending me a free credit report. also they verified with me that i have a fraud alert initial and extended that is place till XXXX. I also have a security alert and credit freeze with all three buraus though that stops accounts and transactions from being ran through and approved. it doesn't stop third party from attempting. I feel attempting to run something through some one else is still a crime even if its blocked and declined. 
I had no choice but to file this complaint to notify the feds that I recently moved and changed phone numbers. my old phone number is is not remembered at this time. my new number is XXXX my old address is XXXX XXXX XXXX XXXX in XXXX  XXXX , wi XXXX note this was a group home called XXXX XXXX  which XXXX know longer live at or am affiliated with. in XX/XX/XXXX i moved from the group home in XXXX XXXX, to the XXXX house at XXXX XXXX XXXX XXXX XXXX, wi XXXX this was also a transition apartment owned by the XXXX   XXXX XXXX XXXX owners. i left there in XX/XX/XXXX to move in to my own place in XXXX XXXX. my current address is XXXX XXXX XXXX XXXX XXXX wi XXXX. 
after calling XXXX  i attempted to check with PayPal my old account is still registered to my current email but im not getting the pass word resets because the text codes are going to who ever owns my old phone number. i was unable to reach a live person at pay pal and XXXX XXXX. please help me investigate this.
Product: Consumer Loan

Had a check returned by mistake from my bank to Republic Finance, they ran the check back through the bank and the bank paid it. I still paid the XXXX or 35 dollar fee. So from then own the XXXX or 35 dollar fee was added to my payment of 188.00 dollars every month. I paid my bill on time every month have bank records to prove it. I did not pay the fee every month just my XXXX payement. Now I have paid them off they say I owe XXXX in fees of which I am not going to pay. It was their problem not mine, I meet all my payments
Product: Debt collection

I have been getting calls from a company called National Credit Adjusters after I already sent a letter requesting debt validation. They claimed that does n't matter and that I have to work something out today or they will take legal action. They are calling me at work after I requested debt validation. The last call was on XX/XX/XXXX at work. 

They insist that I call them and " work something out '' with them. No, they have not provided requested documentation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX, and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure they complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. I want the following accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you!
Product: Debt collection

Portfolio Recovery called me onXX/XX/XXXX @ XXXX PST. Called from : XXXX. Deleted other calls in call-log, so I don't have them. 

When I don't answer the phone they do not leave a voicemail. 

The two times I have answered the phone and played their game, they : Refuse to identify themselves. They just say they're collecting a debt.

Ask for my SSN before speaking with me about anything Refuse to send me anything in writing I absolutely will not cooperate with any agency who behaves this way. I have asked them twice to stop calling me. I don't know if they even heard me because after insulting me about refusing to provide my identity to a stranger, they hang up on me.

The only reason I know they're from Portfolio is because I XXXX the number. Beyond annoyed with these calls.