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

I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Product: Credit reporting or other personal consumer reports

My account was charged off with a XXXX balanced and closed out. Another company bought my debt and now they say I owe them for the debt. I do not have an account or a contract with this company. I have asked for verification of debt as well as validation of debt. I have asked for the original contract that has my signature and their companys name on it. Which they do not have because I never signed a contract with this company.
Product: Credit reporting or other personal consumer reports

transunion has not updated credit report in a year and i have disputed things that appear on the report such as name variations unknown addresses, and my student loan information balance was paid months agao and it is still showing. XXXX  say both reports have not been updated in a year and have scores of XXXX points or more lower than experian. XXXX is also outdated and not kept up to date. 
The damaged my credit and embarrassed me at multiple merchants and many hours on the phone and in their branches.
Product: Credit reporting or other personal consumer reports

I sent a cease and desist to XXXX XXXX XXXX  demanding the accounting and all documentary evidence of this alleged debt & they failed to do so. Any alleged debt transferred only transfers the debt, not the ownership nor obligation of the consumer. Im demanding them to immediately cease and desist through all mediums which includes reporting to the consumer reporting agencies. I am opting out of furnishing this information on my consumer report.
Product: Credit card

On XX/XX/XXXX I took a taxi in XXXX at XXXX airport to get from XXXX terminal to the other because I missed my original flight and the shuttle would take too long to get me there. They told me the price was XXXX XXXX and after i googled the conversion and saw {$17.00} i agreed. They charged my navy federal card twice and told me it was declined and that i should use a different card so i did. I received an email that the XXXX was declined. I then found out my navy federal was charged XXXXXXXX XXXX  and XXXXXXXX XXXX and the second card i used was charged XXXXXXXX XXXX. I have submitted the receipt as well as my other card statement to show they also charged that card for the same transaction and navy federal keeps denying my claim saying that its not enough evidence. I dont have anything else and there is literally no way i could have taken a taxi for XXXXXXXX XXXX if i was at the airport. They charged the card different amounts which i didnt know at first because i asked to see the screen and it said XXXX. Which seems that this is a running scam to charge different amounts so that it does not appear as duplicate. Navy federal has not been helpful whatsoever and each time i call i am given different information. I would not recommend any one to use any navy federal credit cards because you will not receive any help if you have been scammed. I uploaded everything that i have and they are still saying its not enough because the charges are different. XXXX charges listed as transportation at the same time and you dont think something is wrong. I even showed that i had a rental car so there is no way i could have taken any transportation for that amount of money.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Even while connected Transunion has refused to run disputes. Currently XXXX has run all FCRA DISPUTES and removed all incorrect information yet Transunion has failed to run any dispute accurately. Even when given the information from XXXX disputes they still have not run disputes to FCRA STANDARDS. They have been given the deletion of multiple accounts over the mail and never responded or investigated them properly
Product: Mortgage

My and I husband contacted a lender we had both used in the past regarding the process for a pre-approval. The lender sent us a list of documents they'd need to get started with an application. The lender did not yet send an application or any forms to fill out. My husband sent them a few of the documents on the last. I was shocked then to have a hard inquiry on my credit report. I had not been informed that they planned to pull my credit and had NOT authorized my credit to be pulled. Only my husband was applying for a mortgage and there was no need to pull my credit. They should have informed me and gotten my approval first. I expressed concern and the reply was that their one hard inquiry wasn't a big deal. I asked them to file whatever documents necessary to undue their not-approved hard pull and they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017 I have sent numerous written requests to the credit agency Equifax in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by XXXX, but yet this amount still appears on my Equifax report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of these accounts from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. 
Thank You
Product: Mortgage

In XX/XX/XXXX during the height of the pandemic, my wife and I separated. At that time she took her income and I was left taking on all the debt. She later left and I was stuck struggling. On top of that because of the covid situation I did have a reduction of income. I struggled, and thought my only option was to enter a forbearance with my mortgage company to get some sort of relief. Fast forward to XXXX of XXXX I was doing better and I elected to resume payments. I entered a loan modification process. During the process I discovered there were documents my wife, and soon after exwife had to sign. I had no contact with her nor did I know here whereabouts. I still don't know. The divorce is final and I can't proceed with the loan modification because the mortgage company refuses to accept my application because I can't get the quitclaim deed signed by my exwife ; even though my divorce decree explicitly gives me ownership of the home. I'm stuck. The crazy thing is I'm allowed to sell the home regardless of my exwife being on the deed but I can't refinance. It's so ridiculous to me. I get these " reach out if you need help '' and they thank me for my military service while screwing me out of my home. I continue to file for a loan modification to buy me sometime so i can find a solution but I'm running out of options. I don't know what to do and facing foreclosure. I can't believe this is being allowed to happen ; and apparently I '' m not the only one this is happening to. The pandemic has caused a lot of pain included tension in marriages that has led to divorces. Someone needs to be made aware of this because they are screwing people like me, who wants nothing more than to resolve this matter and keep my home.
Product: Credit reporting

On XXXX/XXXX/2015 I bought a copy of my Tranunion credit report XXXX Order Number : XXXX ). I disputed several items on my credit report and requested that the results be sent via email. I did not want my report to go out in the mail. On XXXX/XXXX/2015. I received notice from a credit monitoring service that their had been changes to my Transunion report. On XXXX/XXXX/2015 I contacted Transunion to inquire when I would receive a response. I spoke to a representative who purported to be a supervisor ... she told me an email had already been sent to me. I explained that I did NOT receive the email. She gave me XXXX options, she could either mail out a copy or she could go over the results over the phone. I explained that I had paid for an electronic copy and I want my results and updated report electronically. 
Her demeanor was take it or leave. I asked to speak to a manager, she refused. I refused to hang up until she transferred me to a manger. She transferred me to voice mail with an inaudible name. I left a message. As of now I have not received a response. My biggest concern ... TranUnion purports to have sent an email. Who received this report / results? Where was it sent? I DID NOT RECEIVE THE EMAIL.
Product: Mortgage

Selene Finance refused to process my loan payment last year when I was finally approved for a loan modification. This loan modification took 10 months because the purposely always lost my paperwork. I would email, fax and send in regular mail all required paper work and they continue to lose my paperwork until finally I got approved. They I mailed in my payment with a money order and they stated I did not pay and continued the foreclosure proceedings with the court system however they lied to me that they were going to work with me. I continued to send in new paperwork during a XXXX XXXX  XXXX and even during the XXXX of my daughter. I talked to this bank in the hospital and the funeral home and they continued to lie to me. They have already closed out the account on my credit report even thought we are in XX/XX/XXXX and the sale date is in XX/XX/XXXX.
Product: Mortgage

I reached out to Commercial Mortgage Consultants , Inc. about applying for a commercial loan. They told me in order to look at an application I would need to wire them money. I thought it was weird but I did it. Then they collected my information and send me a letter approving me for the loan and asking for me to wire more money. I thought it was weird because they had many costs that are typically handled at closing but I wanted to get the ball rolling so I sent the wire. One week prior to closing I get a call from XXXX XXXX with Commercial Mortgage Consultants , Inc. saying that I was not approved and was never approved and that they don't even lend on properties like mine, mind you I have provided them with all documentation about this property and was approved already and even explained it to them over the phone when they were asking me to apply and ensured they would be able to help. I asked them about all the money that I had wired them and why they would collect all of that and say I was approved when I wasn't. They coerced me into applying so I would pay the initial fee and then continued to collect fees then never lended and tried to gaslight me into thinking I was never approved when I have a signed document from them saying I am approved. They then said they were going to get me connected with a hard money lender but there would be more fees. I told them no I want my money back. They have since never responded to any of my attempts to get my money back which is thousands of dollars.
Product: Debt collection

I received a notice that my wages would be garnished for an excessive amount for a car loan from XXXX. The vehicle at the time, was a XXXX and I've been informed that I owe {$18000.00}. Threats of garnishing my bank account 2 months ago prompt me to respond to the court where the company filed. I advised that I had no money for my account to be garnished. 2 months later I get another noticed that my wages would be garnished for over {$700.00} a month. I've contacted the company to inquire about this debt. I've asked if I could see the original sale for this vehicle and asked what the vehicle was sold for after the repossession. No response. I have obtain assistance from XXXX credit repair company to send out letters on my behalf to dispute this charge/debt. I recently got an update on my credit report advising that the balance with this said debt has increased. I'm being excessively charge for a debt that is over XXXX XXXX XXXX and still increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts on my credit report. I am a victim of identity theft resulting from a data breach, and the accounts listed below are unauthorized. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these entries from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$580.00} XXXX XXXX XXXX - XXXX - XXXX - {$540.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$550.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection Agency Name : National Credit Adjusters Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX Account Number : XXXX Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OK XXXX Dear National Credit Adjusters, I am writing in response to a debt collection notice I received from your agency. I request validation of the debt and documentation to confirm that you have contacted the correct individual. 

Under the Fair Debt Collection Practices Act ( FDCPA ), please provide the following : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you claim, including evidence of a contract. 
Documentation showing all assignments of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation of the assignments from the original creditor to the secured trust and back. 
Please cease and desist from any collection efforts until you provide the requested validation. 

Additionally, I request that you refrain from accessing my credit report or reporting any information to the credit bureaus, as I dispute the validity of this debt. If you have reported this debt, please ensure that my dispute is reflected on my credit report. 

Permissible Purpose : Please clarify your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute owing this debt to you. If you transfer this debt to another collector, please inform them of my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Several purchases made were charged to my Amazon.com Prime Store Card account without my approval. this charges were to comet of my gift certificate balance.In addition I was charged a late fee. 
Total charges was for {$45.00}. I have a gift certificate balance that is to be used for all purchases going forward, as instructed to amazon customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit company ( Equifax ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name XXXX XXXX XXXX  date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$210.00}
Product: Debt collection

Received a call from collections XXXX XXXX XXXX and man stated that he was an investor trying to track me and will find me no matter what it takes to sue me. I told him I called XXXX  to make the full payment and they didn’t allow it because it was in another state. He kept trying to threaten me that he will find me and get their dining table. This was back in XX/XX/XXXX. I disputed an account of collection name VanceHuffman back in XX/XX/XXXX and deleted on my credit. It comes back on my credit with another collection name “ Vance and Huffman” believe open XX/XX/XXXX and increased amount XX/XX/XXXX to make it seem i just got this. This account is from XX/XX/XXXX why are they charging it to XX/XX/XXXX? Please help and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with Barclay 's Bank on several occassions via telephone or written correspondence and they continue to give me conflicting information. I am not sure that my request to remove the negative reporting has ever been investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} Experian : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}