23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.. I told XXXX, XXXX and Equifax to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

We refinanced an auto loan we had with wells Fargo and we never received any money back on our gap insurance.
Product: Debt collection

I am writing to formally dispute inaccurate information that appears on my credit report pursuant to my rights under the Fair Credit Reporting Act. ( FCRA ) specifically 15 USC 1681i ( a ) I am requesting a reinvestigation of the following item. 

XXXX XXXX XXXX XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history.

In accordance with 15 USC 1681i ( a ) ( 1 ) ( a ). I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that under 15 USC 1681i ( a ) ( 3 ) ( a ). You are required to complete the reinvestigation within 30 day of receiving dispute unless you notify me that an extension is necessary. If after your reinvestigation it is determined that the information is inaccurate, or can not be verified.I expect the prompt removal or connection of the disputed item from my credit report. And this Dispute is not being submitted by error.
Product: Credit reporting or other personal consumer reports

I have a delinquent account thats still on my report and I paid the account off two years ago.
Product: Mortgage

I am widowed. My husband held the loan and we both held the deed. The contract for the FHA loan on our house says that as his widow, living in our home I can assume the loan without having to provide financial evidence that I can afford the payments ( which I can afford. ) My husband died from XXXX in XXXX, after putting the loan into a XXXX forbearance. When that forbearance ended in XXXX, I contacted Freedom to get the payments that had been in forbearance placed into a partial claim, as permitted by the XXXX forbearance program and to move the loan to my name. 

Initially I was told that that wasnt a problem and that the assumption and partial claim could all be started then. I provided the documents they requested and waited for them to complete their process, which I was told would take weeks. 

When I received additional requests for the documents I had already provided, I provided them again and I was assured by Freedom that they were working on everything. 

Instead of getting the requested assumption and partial claim, I got a foreclosure notice. This happened when I was supposed to be giving them time to process everything. 

I am now over a year into fighting with Freedom to get the loan in my name and the partial claim established. During that time they have refused to allow me to make payments so the amount past due has grown. 

They have twice offered a partial claim only to rescind that offer. The first time they refused to process the notarized contract because it arrived too late. ( They had said theyd call and set up the notary and never did. I ultimately paid for it out of pocket and returned the packet. ) The second time they said Id get the packet for the partial claim they never sent it. They canceled the process without notifying me. 

They have listed my house auction, despite me trying to work with them and the numerous times they have failed to follow through on what they promised. I have had to resend documents numerous times because they didnt see them in their system, they asked for the wrong document, or they gave me an outdated form to complete. 

They ultimately told me that I had to file financial documents proving I can afford the loan ( despite the contract saying otherwise ) and are now refusing to facilitate the COVID related partial claim ( because my husband is XXXX XXXX XXXX - I was told that had he lived, the partial claim wouldnt be an issue. ) I was also told that since the loan is past due, I am not entitled to assume the loan under the terms of the contract. 

I provided the documentation they requested and they are now again saying I have failed to provide the requested documents ( because the SSA proof of payouts for my children doesnt explicitly say XXXX benefits. ) They again have my house actively scheduled for auction despite me actively trying to complete their ever changing loss mitigation process.
Product: Debt collection

A little over a year ago discovered that I owed money to XXXX XXXX XXXX XXXX which I've never visited. The debt is now being collected by XXXX XXXX XXXX. I called the dental office and they said that I can resolve the problem with the Debt collection agency, but after calling they were no help. I also submitted a couple disputes through XXXX credit report agencies, but the dispute was dismissed as " Accurate Information. ''
Product: Mortgage

I have a mortgage through Valley national bank. I've been making payments online for the last XXXX years. I tried making a payment about XXXX  months ago and received an error basically letting me know that I could have made my payment online. I called in and they weren't able to tell me why I couldn't make my payment online. So for the last XXXX months at this point I've been calling in to make a payment because I can't make them online anymore. Today I try to make my payment because it's due... .my payments have never ever been late and when I called in to customer service the customer service representative said that her manager told her that she couldn't take my payment. This is odd to me because I've always made payments with the company and since I've not been able to make them online I've been calling in to make the payments. They would not help me. I am uncertain of how to get this resolved as when you call in, you have to wait for at least XXXX minutes to speak with someone. I am simply trying to make a payment. They have made changes to my payment processing and failed to notify me. It is as if they are trying to make me payment late.
Product: Credit card

On XXXX XXXX 2015, I made XXXX payments of {$100.00} each from XXXX separate accounts. XXXX of the transaction was withdrawn from XXXX of my bank accounts. I have statements proving the {$100.00} withdrawn that I had faxed to them But my statement from synchrony bank shows that XXXX transactions were reversed. At this point synchrony bank is not willing to give me the credit despite me making the payment. I have called them several times trying to resolve this issue but have gotten nowhere with them.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint because a bankruptcy is showing on my consumer report. 
The United States Bankruptcy Court does not furnish, provide, or sell information to 3rd parties like credit reporting agencies. This information was obtained from XXXX XXXX who gets information from Pacer.Gov which is public access to electronic court records. XXXX XXXX is a for profit company, and sells consumers information to the consumer reporting agencies. My social security number is not a public record, and if I did not report it, and the United States Bankruptcy court did not report it, then an account was created on my behalf, without my consent, and that is identity theft. 15 US CODE 1681B Permissable purpose of consumer reports ( a ) ( 2 ) of this law states that any consumer reporting agency may furnish a consumer report under following circumstances and, no other In accordance, with the written instruction of the consumer to whom it relates to. Permissable purpose equals written instruction, without permissable purpose is identity theft.
Product: Checking or savings account

Upon reviewing my account, I noticed that a charge for {$810.00} from XXXX was posted on XX/XX/year>, even though I was out of the country during this time and had no involvement in this transaction. After noticing the charge, I immediately contacted XXXX, and I was informed that an investigation into the fraud claim would be initiated. In the meantime, the amount was refunded to my account. 

However, after the conclusion of the investigation, I was informed that the store, XXXX, had provided proof of an authorized transaction, leading to the withdrawal of the refunded amount from my account and the closing of the case. Despite this, I believe the conclusion was reached in error and I reopened the case, providing additional information to demonstrate that I did not authorize or participate in this transaction. 

Following my appeal, I made several attempts to resolve the matter by contacting XXXX directly ( 3 times ), but I was unable to receive any information regarding the transaction or the details of the order. Additionally, I requested the investigation report from XXXX, and upon reviewing the document, I noticed several glaring discrepancies in the details provided : Wrong address ( Incorrect apartment number ) Wrong phone number Wrong name Wrong email address Wrong IP address I explained to XXXX that none of this information matches my personal details, and none of my personal information has been updated or changed during my many years as a Chase customer. Furthermore, since I was out of the country at the time of the transaction, I could not have signed for or received any goods or services related to this charge. To support my case, I provided documentation such as flight tickets and was prepared to show my passport stamps to verify that I was not in the U.S. at the time. 

Despite all of this evidence, my case was denied twice, and I was advised to seek legal counsel. I am requesting that you review the information once again, taking into account the incorrect details on the investigation report and the substantial evidence I have provided to demonstrate that I did not make the purchase in question. 

I would appreciate it if you could reconsider my case and take the necessary steps to investigate this matter thoroughly. Please let me know if you require any further information or documentation from me. 

Thank you for your attention to this issue. I look forward to your prompt response. 

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

There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XX/XX/XXXX now it is XX/XX/XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from Experian and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : COMENITY BANK TORRID Account number : XXXX
Product: Mortgage

the lender purshase my loan and cancel the insurance that was escrowed the incrise my payment from XXXX to XXXX XXXX, wene i ask them the reason they said it was for escrow cushing and i compaint that it was to much and she told me it was a normal increase but, she did not told me they added their one insurance for XXXX a month and the old XXXX was XXXX a year, it is a renters insurance the lady that is in charge of my loan is XXXX XXXX and she is the only one that soposible can help with the loan but she is very rude
Product: Credit reporting, credit repair services, or other personal consumer reports

HUD Title 1 Loan reporting on XXXX and US Department of Housing reporting on Experian has failed to remove this reporting from my credit report. The last payment was made in XXXX of 2014 the first delinquent payment was XXXX of 2014 it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( XXXX ) and US Department of Housing ( Experian ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items. 

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the loan
Product: Credit reporting or other personal consumer reports

I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with XXXX XXXX standards and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX Reporting Agencies : XXXX, XXXX, TransUnion Violations Identified : 1. Inconsistent Reporting of Balance and Status XXXX XXXX shows a balance of {$0.00}, while TransUnion reports {$120.00} owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols.

2. Non-Uniform Reporting of Late Payments o The account shows 30-day late payment markers inconsistently across bureaus.

These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information.

3. Incorrect Comments and Status o TransUnion has marked this account with a comment indicating " Dispute Resolved - Reported by Grantor, '' while XXXX lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623.

4. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within 30 days of receipt of this letter, you : 1. Rectify and synchronize the account balances and late payment records across all reporting bureaus.

2. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated. 
XXXX. Ensure that all comments and account statuses are consistent across XXXX, XXXX, and TransUnion. 
XXXX. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).
Product: Credit reporting

I have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Product: Credit reporting

Someone has committed identity fraud using my information. This is not my debt and I need this cleared up immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX fails to provide me with my credit report details or allows me to proceed further with dispute details and/or submitting additional documents pertaining to already opened or new disputes. 
Upon requesting access to my credit report... information provided by XXXX comes up blank. No options to access dispute center and/or to submit relevant information pertaining to negative information and/or compromised accounts. 
XXXX has no records of my credit history that spans from XXXX and listed oldest account since XXXX. 
Equifax lists XXXX negative accounts, but won't provide me with access/information pertaining to these account or allows me to dispute said information. 
Equifax lists XXXX account as revolving line of credit, rather than remaining balance. 
Equifax will not allow me to obtain information from previous disputes and/or update information pertaining to new disputes. Company lists oldest account dated to XXXX and has no information for me having credit accounts since XXXX. 
XXXX fails to remove/amend/correct negative information on my report despite being provided ( numerous times via certified and priority mail ) supporting documents substantiating my claim. 
XXXX was provided Police & FTC ID theft reports, payment history records, detailed chronological chain of events and explanation of incidents that occurred pertaining to alleged late payments, but failed to correct it.
Product: Student loan

I contacted Navient on numerous occasions back in XX/XX/2023 that I had lost my job and was unable to make the XX/XX/XXXX payment. I requested non-payment until employment, but no help was received. I contacted Navient in XXXX and told them I had a job interview and would notify them of the outcome, but I didn't get the job. I now have a prospect and will start the position in XX/XX/2023. I have asked Navient to stop with the harassing phone calls.
Product: Student loan

While my student loans were discharged through the PSLF program, my payment count was not correct and has not been corrected in the last year that I've been asking for help. I had an additional 22+ payments ( roughly $ XXXX {$14000.00} worth ) that were never applied. I have made dozens of calls to MOHELA and the Dept. of Ed. to try to get help and resolve the issue. I have filed complaints, reconsideration forms, talked to dozens of customer service reps, and have seen no resolution. 
XXXX was my original servicer. Apparently I reached XXXX qualifying payments in XX/XX/2021, during the time XXXX was my servicer, and prior to being transferred to MOHELA. I'm not sure if that is where the problem lays, but these three agencies don't seem to be able to work together to resolve this issue!
Product: Credit reporting or other personal consumer reports

Im sending this complaitns to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to delete these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I had purchased a vehicle ( XXXX  XXXX XXXX ) brand new, with an extended warranty as well as GAP insurance. Approximately a year or so later, I had traded the vehicle in for a larger one and was told that I needed to file paperwork to receive a refund of the difference between the Extended Warranty and GAP insurance. I have reached out to the company directly after waiting the amount of time they had told me ( 6 months+ ) and followed up with them again. They again said they will look into it, and its now been 18+ months later and still nothing. The Extended Warranty was supposed to be around {$1300.00} and approx. $ XXXX remaining for the GAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX18 1. Equifax - 2 separate times - notified me dispute investigation complete - may view results online - confirmation numbers XXXX and XXXX 2. Both times - attempt to view results is instructed - identity verification questions were all answered " NO '' - they said it doesn't match their files - said I had to use " secure Email '' -- >>>>>They are blocking me from viewing results -- >>>>>They have something in my file which they are shielding Original CFPB complaint = XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX MUST UNLOCK MY ONLINE DISPUTE PORTAL IN ORDER TO FILE INVESTIGATIONS AS WELL AS ID VERFICATION ENCLOSED
Product: Debt collection

This person Mr. XXXX XXXX keeps call from an annoymous number ) leaves a voicemail with a call back number of XXXX. I told him they need to mail me proof of what is talking about. I have asked for his company information, business license etc. which he refuses to give. Have asked him 4 times to not call me at work. Which he continues to do. Call XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Told him today again to stop calling, I have not received anything via email. I said to stop calling me at work, he said I can't do that. Threatening that his next step is to file in my county. Again, I have never done business with this person. Very rude and again keeps calling me at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan Servicing is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with Fedloan 2. Fedloan is inaccurately reporting my student loan dept as a credit card debt! 
4 Fedloan switch their invoicing method to paperless with notifying me 5. I did not authorize Fedloan to switch my billing to paperless 6. I was not notified by Fedloan that my payment was past due 7. I  appemtepted to make payments via their website as directed by Fedloan 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. Fedloan is still reporting account that were paid in full as open 11. Fedloan is  reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with Fedloan spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!