23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My client attempted a loan mod with Specialized Loan Servicing ( SLS ). SLS took their trial payments, but never credited the payments to the account. Then, refused to complete the loan mod and started foreclosure proceedings, forcing my client into a short sale. All documents for short sale were timely tendered to SLS, but SLS continued to make repeated and contradictory requests : to leave the husband 's income off of the XXXX as unsteady and therefore not able to be counted as " income '' but then demanding along with the same XXXX a XXXX day XXXX statement for his " income. '' We argued that if he was receiving " income '' to necessitate a XXXX XXXX XXXX, then he qualified for the loan mod, otherwise no XXXX XXXX XXXX was necessary, and we move on the short sale. They finally agreed to move on the short sale, however, this issue was raised XXXX ( XXXX ) times by SLS until it was finally resolved. Then, instead of processing the file for investor approval, XXXX continued to sit on the file until the valuation expired, and performed a new valuation that was returned at 128 % of the XXXX of the property as reflected by comps, a XXXX, the offer on the property, and the original XXXX. We challenged the valuation with the above referenced documents, and SLS stated that they refused to change their valuation to be in line with the overwhelming evidence presented to them. Given the nature of our interactions and the tenor of and recalcitrance within their communications, I am concerned that SLS is not interested in cooperating in resolving this transaction in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing again this dispute to EXPERIAN as you claimed that it was not me who filed the complaint dated XX/XX/2022, with complaint no : XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorized user on several of my wifes accounts. Her name is XXXX XXXX and we reside at the same address and her DOB is XX/XX/1956 and the last 4 of her SSN is XXXX During the month of XX/XX/XXXX, Equifax has removed three accounts that I am a authorized user. Before the month of XX/XX/XXXX, Equifax reported all authorized accounts correctly. My accounts are being correctly reported on XXXX and XXXX XXXX. In an effort to correct this error with Equifax, I called and spoke to a representative at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. I called the three creditors and they assured me that my information was being reported to all three bureaus every month. XXXX XXXX, XXXX, and XXXX XXXX sent mid month updates which were reflected on my wifes credit report but not on mine. The accounts that were removed on my credit report for the month of XX/XX/XXXX are : XXXX XXXX - {$500.00} XXXX XXXX - {$4300.00} XXXX - {$15000.00} In total Equifax has removed {$19000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when 2 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. I live in XXXX Georgia and many lenders pull credit with Equifax. To that end, it is quite important that this issue is resolved quickly and does not continue to repeat itself. Your immediate attention is needed to resolve this error made by Equifax. I have been unable to dispute this issue via their system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit file. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I discovered on Sunday XX/XX/XXXX that someone has fraudulently accessed my Experian Membership. They have changed the associated email address and unfrozen my account. I can not get through to a live person at Experian. Their automated system can not help with my request and then the system hangs up on you when they can't get you to someone.

This is incredibly important and scary on my part to know that someone has been able to change this information. This should be a priority for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!
Product: Credit card

From XXXX XXXX, 2024 to XXXX XXXX, 2024 I rented a car from XXXX XXXX. The initial cost was {$540.00} which included {$200.00} deposit for XXXX XXXX, 2024 to XXXX XXXX, 2024. I extended the car rental at weekly rates from XXXX XXXX, 2024 to XXXX XXXX, 2024. Each extension required a pending charge on my American Express card ( see image XXXX for example ) at the point of extension. This meant that the available balance on my Amex account included these pending charges. Thus at the end of the rental, I was not expecting another charge on my credit card for the full amount of the car rental for the month for {$940.00}. On XX/XX/XXXX, I rented a car from a different company, XXXX which authorized a weekly rate and deposit of {$300.00} for a total of {$640.00} on the same Amex account. However that charge isnt posted on my account as pending despite it being XXXX days since that transaction occurred. There was enough funds ( {$770.00} which should have reflected the pending charges for the XXXX car rental from XX/XX/XXXX to XX/XX/XXXX plus {$130.00} pending charge for returning it on XX/XX/XXXX ) in my account to cover the XXXX transaction on XX/XX/XXXX, however my current available balance is XXXX. Its been very difficult to get a true account of my balance and spending limit. The major purchases on my card are for the car rentals. Its concerning that the business practices of charging pending transactions that fall off before the full payment has been ongoing for the over the past XXXX years. This practice makes it difficult to accurately calculate the balance on my credit card account and how much of my monthly payments in addition to biweekly payments are going towards keeping the balances manageable. Ive sent complaints about similar issues to Amex in the past and it continues.
Product: Credit reporting or other personal consumer reports

I had them investigate inaccuracies on my credit report. They finished the investigation and there were still inaccuracies '. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to understand the basis for any determination made during the reinvestigation process. I sent them a letter asking for information and they failed to deliver them in the timeframe allowed by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Demand for Validation of Account with XXXX XXXX  Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX  ( Original Creditor : XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XX/XX/year> Balance : {$900.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports.

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The vehicle purchased has now been inspected by the XXXX XXXX XXXX XXXX XXXX in XXXX and has been estimated to cost {$12000.00} to repair the power electronics unit, coolant pipe on control unit, blue coolant and XXXX lbs of refrigerant to start car on top of other safety issues. I had to take XXXX to work for over a week and now the car seller is saying if I pay the XXXX $ towing, they would repair the car after XXXX XXXX battery was already switched off car that was on the vehicle when purchased. I filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the XXXX. The only offer was to put a hold on first XXXX and an area XXXX would be in contact. The initial contract for the car was {$9900.00} and financed for {$12000.00} with an additional XXXX $ to repair the car. It doesnt even start.
Product: Money transfer, virtual currency, or money service

dear Sir! 

I am having a checking account with PNC Bank. A Premier Checking account holder is issued a cashier check free or without fees. I was issued a check by bank for amount of {$220.00}. The said cashier check was issued by XX/XX/2021 to pay for XXXX. XXXX XXXX. I, how ever, had lost the said check. I took time to locate the misplaced check. 

Finally, I approached bank branch for a request to cancel check. I was told that the branch do not keep copy of check beyond 60 days. Paper copies are destroyed in next 30 days. My monthly statements do not include information of issuance of cashier checks. Money of amount of check and commission if any are withdrawn from account or a member can bring cash and cashier check issued. A slip is issued that shows cashier check information including number and date issued. I do no have that slip and branch also destroys such slips after 60 days. 

I called customer service. How ever they do not have any more information beyond checking account statement. I could not get help. I should mention that bank do not give paper copy in addition to check. The paper copy that the bank keeps is to be destroyed. 

I have had lost another cashier check before 7 years with a bank in New York. I was abroad for more than 3 months. On return, I approached bank branch and check refund was deposited in to my account.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX  : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Debt collection

I been contact by XXXX XXXX XXXX XXXX many times and I have tried to work a payment with them and they don't agree, they want the full amount. One time he said he couldn't understand me because I have a XXXX accent, which I reply yes I'm XXXX. After this he said I pay this before they send me to XXXX which I said what are you saying then he said before you go to XXXX. Many times he has threat me that I'm going to be arrested because I don't pay. I do want to pay but I don't have the full amount. I want to work with them doing a monthly payment but they want the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, here are the hard inquiries listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Discover docked my credit line from {$19000.00} to just {$500.00} with no notice at all, citing the fact that I had balances on credit cards with other companies ( despite the fact that I paid my bills ). I had forgotten to pay a {$38.00} total balance and was a couple of days late on my Discover payment. Once I realized I was late, I paid immediately, but since I rarely use the card I thought I had paid earlier. I found out my credit line was decreased to {$500.00} when I went to make a small business purchase of around {$300.00} and my card was declined. I was given no notice of this, and when I called Discover they said they had mailed me a letter that would take 7-10 business days for me to receive. I had not received it yet. The credit line was decreased one day before I received an email with my statement details ( attached ), noting that I had {$16000.00} in available credit remaining and still I was not notified of this change. I was planning to use my Discover card to help finance supplying my company ( a XXXX ) with stock for an upcoming XXXX show at the end of XXXX. This is no longer an option for me and I find it appalling that Discover was able to reduce my credit line by {$19000.00} overnight with no notice at all. 

In summary : XX/XX/XXXX, 2017 : my credit line was decreased from {$19000.00} to {$500.00} ( no notice provided ) XX/XX/XXXX, 2017 : I receive my statement saying that I have {$16000.00} in available credit remaining XX/XX/XXXX, 2017 : I attempt to make a roughly {$300.00} purchase and my Discover card is declined due to credit limitations XX/XX/XXXX, 2017 : I call Discover to clarify and a service representative tells me there is nothing they can do to adjust my credit limit, and that it will remain at {$500.00} XX/XX/XXXX, 2017 ( after calling rep ) : I receive an email noting that I have a secure message from Discover. The letter is dated XX/XX/XXXX, 2017 and includes the information about my credit line decrease to {$500.00}.
Product: Student loan

My XXXX qualifying payment toward XXXX was paid on XXXX XXXXXX/XX/XXXX ( effective XXXX XXXXXX/XX/XXXX as per my bank account records ). My MOHELA account page shows no history of this payment, but does state that my next due date is XX/XX/XXXX. Upon calling MOHELA to resolve this issue, I was led through a labyrinth of automated messages that led nowhere. There was never an option to speak to a customer representative. I am not surprised- this is the second complaint I've submitted against MOHELA, an organization with an abysmal track record. I request that CFPB order a complete reorganization of MOHELA 's customer service approach to eliminate barriers to speaking with their representatives.
Product: Credit reporting or other personal consumer reports

I did sent a letter to U.S. Bankruptcy Court last XX/XX/year> because TRANSUNION, XXXX and XXXX is reporting 100 % incorrect XXXX  XXXX Bankruptcy Reference # : XXXX. I received a response from U.S. Bankruptcy Court stating that the U.S. Bankruptcy Court does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a bankruptcy case.
Product: Debt collection

Repeatedly phone calls, uncomfortable and inappropriate calls. Inaccurate information.
Product: Credit reporting or other personal consumer reports

Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last XXXX SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status. 
Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX the debt collector called my office insisting on talking to the owner, he was advised that the owner was unavailable and asked if they could take a message. The individual got irate immediately and starting yelling at my office personnel and calling them a liar and demanded they interrupt the owner. He was told that wasnt going to happen and asked again to leave a name and number. He continued to yell and scream at the office girl. She terminated the call because of his tone and behavior. He then called 3 more times within 5 minutes until my office manager got on the phone and told him he had better stop calling and talking to my girls like that. I got his number from the caller ID and called him when I was free, I had to leave a message. I informed him that I was aware of the debt and that I had full intention to fulfill my obligations as we have had a downturn in revenue. Also informed him that he was not to call the office again and/or speak to my employees like that again. Told him that any further communication was to be done via email. He then tried 2 more times in the weeks to follow. He also accompanied the calls with emails demanding full payment immediately. The last few emails that I received from them, demanded payment by XXXX XXXX  or they were getting legal involved. I again explained the situation, to no avail and met with more aggravating toned emails. I again asked to keep communication professional and he has refused to do so.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with PayPal and synchrony bank they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including synchrony bank. Including my paying for on PayPal. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My PayPal synchrony account, as well as my PayPal account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. PayPal and synchrony bank conspired and participated in this fraud.
Product: Debt collection

Franklin Collections have put an alleged debt on my credit which i have no knowledge of. This alleged debt has already been paid to another collector who the account was sold too. So i cant owe the same debt twice. The document that is attached is the debt collector who ive made payments too.
Product: Credit reporting or other personal consumer reports

This XXXX school loan keeps getting passed through too many servicing companies. Now XXXX has my school loans from nelnet and they refuse to update my XXXX  account. It was XXXX approved paid in full on XX/XX/year>. 
XXXX tired of calling them and experian. Neither XXXX of these entities are updating over XXXX of school loans off my credit report. Its affecting my debt ratio and they both are responsible for my low score and getting denials for new credit. This is absolutely indicative to my ongoing hardship. 
I have sent the official letter to XXXX. 
I dont understand the negligence. I will attach it again on this website.