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

My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

Today XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a notification that ( 11 ) delinquent accounts were added to my credit file. After review, it was ( 11 ) US Dept of Education accountsthat were deleted in XXXX ( due to being re-aged by the original creditor ) .Pursuant to 15 U.S.C . 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after the re-insertion of these accounts ( this did not happen ). TransUnion received my credit dispute on XX/XX/XXXX regarding this matter and other discrepanciesfound on mycredit report. 
On XX/XX/XXXX, TransUnion made initialcontact with me -- -they provided a copy of my credit report and acknowledged that I had a dispute in progess. On XX/XX/XXXX, I contacted the company by phone because I had not received the results of my credit dispute.I was transferred to an international supervisor by the name of XXXX. Once I was transferred, I began recording the call. I asked XXXX, on which date did TransUnion mail out my dispute results. He told me twice before opening my file, he could mail it thatday ( XX/XX/XXXX ) if it had not been mailed. After reviewing my file, XXXX confirmed that TransUnion did not mail out the dispute results. I informed XXXX that TransUnion was in violation of the Fair Credit Reporting Act and that all items I disputed needed to be deleted. We went through the following items : ( 11 ) US Dept of Education accounts XXXX, a late payment listed on the XXXX XXXX account, ( 6 ) inaccurate addresses, and ( XXXX ) inaccurate phone numbers. ( I have attached the original documents sent to XXXX for your reference ). 
XXXX advised me that all items referenced on the call would be deleted and I would receive a mailed copy of my credit file in 7-10 business days. On XX/XX/XXXX, I attempted to log into my TransUnion account but was denied due to an " ongoing investigation '' I never requested. Instead of deleting the items that TransUnion failed to investigate, XXXX began a brand-newdispute on my behalf. Again, the conversation was recorded, I did not request a new investigation. This is a violation of my rights under the Fair Credit Reporting Act and I am not opposed to litigation if this violation is not corrected immediately.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of late payment information reported on my Equifax credit report for the above-referenced account. Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this matter and the correction or removal of the inaccurate information. 

The late payments reported on my Equifax credit report are inaccurate and inconsistent with the information provided on my XXXX and XXXX credit reports, where this account reflects no late payments. The discrepancy suggests either an error in the reporting by the data furnisher or a mistake in Equifaxs processing of the data. 

Details of the Dispute : Account Name : XXXX XXXX XXXX XXXX XXXX Discrepancy : Late payments reported on Equifax but not on XXXX or XXXX Under the FCRA, credit reporting agencies are required to ensure maximum accuracy in consumer reports. Additionally, Metro 2 data standards mandate uniformity and accuracy in the reporting of credit data. The late payments on this account appear to violate these standards, as the same account is accurately reported on XXXX and XXXX without any late payments. 

Relevant Metro 2 Code Reference : Compliance Condition Code : This account should reflect " CCC = X '' ( no late payments ) across all bureaus. 

Payment Rating : The reported Payment Rating should be reviewed to ensure it is consistent with the absence of late payments. 

Account Status Code : Verify that the " Account Status CodXXXX '' aligns with a current account without delinquencies. 

I kindly request the following : An investigation into the inaccurate reporting of late payments on this account. 

A correction or removal of the inaccurate late payment information on my Equifax credit report. 

Written confirmation of the results of your investigation. 

Enclosed, please find copies of my XXXX and XXXX credit reports for your review, highlighting the accurate reporting of this account without any late payments. Additionally, I have attached a copy of my identification and proof of address to assist in verifying my identity. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been contacting Capital One for remedy as I transfer my account to trust. I requested a copy of the promissory note and the agents of the company had no idea what I was referring to. After reading the SEC documents on fraud of a promissory note. I am sure that Capital One is practicing the same fraudulent behavior outlined in that document : https : //www.sec.govXXXX After reading the trust indenture that Capital One has with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am the note holder aka investor of the company. I should be receiving principal and interest payments. This is another example of SECURITIES FRAUD.
Product: Debt collection

I have contacted SYNC/BP through multiple attempts concerning a debt I was unfamiliar with. I contacted SYNC/BP in writing letting them know I was a victim of Identity theft and provided a report from the FTC, along with proof that the debt did not belong to me. Please note my legal name on this account is incorrect. Please also note, I moved from the address that this account was opened at months before the account was opened. I provided all information regarding my legal name including photo identification. Which is the reason I am requesting the original contract for the debt. I had an issue with identity theft prior and just trying to correct this companies records. 
I received a letter from SYNC/BP on XX/XX/2019, stating that they would immediately closed this account, notify the credit bureaus to remove the account within 60 days. On XX/XX/2019 I sent SYNC/BP a follow up letter, letting them know this account remained on my credit file after the 60 days. I receive a response from SYNC/BP on XX/XX/2019 stating that the fraud team reviewed the claim and was unable to approve the fraud based on the following reasons ; You approved, participated, or benefited from the purchase. What steps were taken in this investigation? I was not provided any documentation that proved I authorized, participated or benefited from this account. I never spoke to anyone who represents SYNC/BP or works for SYNC/BP giving any authorization. I never gave a signature of authorization to SYNC/BP or anyone who represents SYNC/BP.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Student loan

I went to XXXX XXXX and recieved little to no government assistance for some unknown reason, considering I was not dependant on my parents at all. This forced me to turn to private loans. Now, I have almost XXXX in private student loan debt. The monthly payments are {$1200.00} and I can not afford to live. Even after making this payments on the loans, my interest is 9 % ,8 %, 7 % interest so that the loans continue to get bigger. I own two businesses and would otherwise be doing well for myself. I have called, emailed, sent in letters to the private loan companies, only to have them raise my rates instead of lowering them. There is no end in sight, I would have to be making XXXX per year just to live a normal life. Where is the protection on these loans? Why ca n't I refinance them? 

The fact of the matter is this, this rock is too heavy to lift because it causes me to have a horrible credit score. Bad credit = no loans to buy a house or get money to start another businesses. It 's a vicious cycle and I have exhausted all of my options. I can not refinance them because no one will lend me a better rate because of my credit ( even though I make every payment on time ). 

Please help me do something, anything to get out of this debt trap I am in. It has caused me to tell everyone I know to forgo college until this fraudulent behaviour is fixed.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. IT IS A VIOLATION. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Account Upgrade I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union and spoke with a Trans Union Customer Service Representative requesting that they unsuppress my credit report and data. The Trans Union Representative used a racial slur against me and called me a XXXX and stated to me that shes not going to unsuppress my credit data at all. My credit data and report has been suppressed by Trans Union for 1 year, and for 1 year, I have been requesting for Trans Union to unsuppress and unfreeze my credit report, and Trans Union refuses to unsuppress my credit report and data. Trans Union is using racist and discriminatory business practices against me because Im XXXX ( XXXX ). Thiss a blatant violation of The Fair Credit Reporting Act ( FCRA ) and a violation of federal and state law.
Product: Checking or savings account

Both my wife and I have opened new accounts, they were unwilling to change the deposit tier so I have attempted to transfer money from my account to her account a number of times and they have placed numerous security holds on the transactions. I have called numerous times to lift the holds only to have them placed on the account again. They have not been willing to lift the holds or offer any explanation for denying me access to my money.
Product: Debt collection

I was paid up to date three out of six months @ my XXXX XXXX  apartment complex when I received a notice stating I had several days to leave because a tenant witnessed/stated they saw me not pick up after my dog. 
I left by the date they asked me to leave during the height of the Covid pandemic in AZ. These allegations were made falsely against me, and I agreed to leave despite disagreeing with the information. I was paid up to date and should not be responsible for {$3000.00} debt collection because theres no proof I broke the breach of contract in this apartment complex as their just trying to kick me out and get someone else in and to make more money off the both of us.
Product: Mortgage

This complaint is about Everhome MortgageOn XXXX XXXX they recieved a check which stated to be applied to principal of {$50000.00}. 
on our home. Instead of doing that they put aprox. {$47000.00}. on it put the rest in escrow and payments ahead.the balance after they received it the balance should have been {$100.00} I asked on XXXX I believe about the XXXX what the payoff was and wired aprox! XXXX. for the payoff I never paid attention to the amort schedule before.after arguing with them they said they would send XXXX back it is now the XXXX of XXXX no check after reviewing the schedule I also noticed they reduced my escrow and charged full interest for that month I am getting nowhere with these people
Product: Mortgage

In XXXX I contacted you about recasting my loan with a payment on {$10000.00}. It was approved so I sent you {$100000.00} as agreed. Effective date being XX/XX/2020. 
I never received document downloads to sign until XXXX. 


XX/XX/2020 I sent in notarized documents and {$150.00} to XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2020 I inquired if my loan had been recast as my statement did not reflect the amount agreed upon. 
In response you said documents had been received but sent to another department. You lost them but are trying to find them. 

XXXX XXXX I again inquired if my loan had been recast as my statement did not reflect it. In response you apologized saying you are working on it. 
Giving excuses that everyone is working at home and unsure when you would find the lost documents. You suggested I sent in a copy of documents. 
So I did. I again sent in documents to XXXX XXXX XXXX XXXX NJ XXXX Since sending in documents the second time I have not heard back from you. I have sent several emails and have tried to call in but you are not accepting calls. 

I received back my {$150.00} check uncashed so I know you received my documents, the first set. I don't know if you received the second copy of documents. 

I have seen many email requests but have been ignored. 

XX/XX/XXXX I called in and was told no one in who could help me. I was told someone would call me back by a person XXXX. no one did Sent more emails no response. 

XX/XX/XXXX transferred around until I was again told a supervisor would call me back since none was in by XXXX. No one called me. 

sent more emails no response XX/XX/XXXX Called in again and was told a supervisor would call me. No one did. 

sent more emails no response I have sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for XXXX, XXXX and Experian to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.
Product: Debt collection

C.P.A. has reported to at least XXXX credit bureau I have a debt in collections which is not mine. They claim I owe {$1300.00} to XXXX XXXX from an address in XXXX, TX in the year XX/XX/XXXX. I have lived in my current address since XX/XX/XXXX. They do n't have my SSN. Nor did they check if I ever lived at the XXXX address in XXXX, TX. 

I have called them and they are telling me I must go through all the credit bureaus to take care of a problem they knowingly created. On top of that, I was trying to make major purchase when I discovered this. As a result I did n't make the purchase because of the higher interest rate caused by the credit score. The purchase at the terms I was trying to get is no longer available.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been attached to a debt by my deceased father by a collector National Credit Systems that purchased a debt from his landlord XXXX XXXX XXXX. I did not reside at this apartment during the lease dates that have not been paid. I was not on the XXXX as a guarantor during dates not paid for. The original creditor dismissed a lawsuit towards me and never corrected with the collection company after the case dropped. I have included the dismissal in this complaint. I have tried to resolve with the collection company and they tell me they dont care and will just keep reporting this and nothing I can do about it. This is fraud by this company. I need this removed from my credit reports and hope something can be done to this collection company. National Credit Systems will not provide any documentation in return to validate this debt. I have requested by telephone, email and writing disputing this debt and requesting any documentation to show I owe this debt. This reporting is is against 15 USC 1681e ( b )!!
Product: Student loan

I have applied for PSLF through my servicer, MOHELA, and subsequently received incorrect information concerning the number of qualifying payments. When I contacted them, which took over 2 hours on hold numerous times, I was told they were aware of it and they were mailing out incorrect information to everyone. Later, I received a rejection letter stating that my employer is not a Public Entity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know how much more public I can get. I have since reapplied, before the XX/XX/31 deadline, but have yet to hear back. Calling no longer does any good. After 2 hours and 16 minutes on hold their system automatically hangs up on you. I've documented this numerous times, with numerous phones, over 2 different wireless networks. They are completely incapable of handling the volume of business they have taken on. Thank you in advance for any help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid into a self credit builder account since last XX/XX/2021, a Company called XXXX XXXX. the catch was if I made payments of XXXX each month automatically deducted from my bank account each month within a year, the company was supposed to report to all three credit bureaus to help me build my credit after sometime. When the year is up and I have paid the account off the credit company supposedly Claim they would send the balance that I have paid into for the year, they would send it back in a check. Anyway I decided to pay the account in full even before the time period ran out. After I paid in full they closed my account immediately to keep the deposit of almost XXXX and claimed I had XXXX late payments which was untrue I always used the same payment method each time and the kindly took my money over and over. They closed my account immediately so that would be it would not have to pay me anything. this is a scam what can I do Im a XXXX XXXX trying to get on my feet from an apartment fire. please help. The Company is Called XXXX XXXX they need to be stopped, this is damaging to my credit all while I was trying to build my credit.
Product: Vehicle loan or lease

I GOT MY XXXX XXXX FROM US AUTO SALES IN XXXX SC IN XXXX. I MADE PAYMENTS REGULARLY AND ON TIME. WHEN I WAS LATE ON A PAY MENT WHICH WAS NEVER MORE THAN 7 DAYS I HAD TO FIND OTHER MEANS FOR TRANSPORTATION. SOMETIMES THIS INCLUDED ME STAYING OUT OF WORK BECAUSE MY CAR WAS DISABLED BY A TRACKER THAT THEY TOLD ME WOULD HELP IN CASE OF THIEFT. THEY WOULD DISABLE MY CAR AND IT WOULD REMAIN DISABLED UNTIL I MADE A PAYMENT. ONE DAY I MADE A PAYMENT THEY STARTED MY CAR AND THE VERY NEXT DAY IT WAS DISABLED AGAIN AND I WAS TO MAKE ANOTHER PAYMENT BEFORE I COULD DRIVE THE CAR AGAIN. I WAS FORCED TO MAKE OTHER ARRANGEMENTS THOUGHOUT THE WEEK. 

I WAS DOUBLE BILLED FOR CPI EVEN THOUGH I PROVIDED PROOF OF INSURANCE FOR THEM THEY STILL CHARGED ME FOR INSURANCE AND AN INTREST FEE THAT MY PAYMENTS WENT TOWARDS INSTEAD OF MY FINANCE CHARGES AND GAP COVERAGE